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Secure Consumer Authentication (SCA) Required for Intra-European eCommerce Beginning September

To maintain compliance with the European Union’s Second Payment Services Directive (PSD2), merchants in Europe will have to perform Secure Consumer Authentication on most non-recurring transactions greater than €30 within the European Economic Area (EAA) starting September 14th. Secure Consumer Authentication, or SCA, refers to consumer authentication services with two factor authentication facilitated by a dynamic code or biometric verification.

These new regulations coming into effect on September 14th will increase the use of consumer authentication programs as 3D Secure 2.0 will be the primary authentication method for meeting these requirements. SCA requires two-factor authentication and banks will decline transactions that don’t complete this authentication.

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