SCA (Strong Customer Authentication) is a European regulatory requirement to reduce fraud and make online payments more secure.

SCA requires authentication to use at least two of the following three elements:

  • something the customer knows (e.g., password or PIN)

  • something the customer has (e.g., phone or hardware token or OTP)

  • something the customer is (e.g., fingerprint or face recognition).

Did this answer your question?