Strong Customer Authentication (SCA) comes into place on the 19th September. But will it affect you and how?

What is SCA?

SCA is a new European regulatory requirement that is being introduced to reduce fraud and make online payments more secure.

Who will It affect?

It will primarily affect credit and debit card transactions. So, if you have your own e-commerce website, you’ll need to make some changes to the checkout process to ensure you are compliant with the new rules.

Changes for your customers: Lower convenience but much higher shopping security

For end customers, many modern payment methods such as Apple Pay and Google Pay are already secure enough to not require any extra security steps: Fingerprint recognition meets all SCA requirements.

However, when it comes to using debit or credit cards, users may certainly lose some of the convenience of online shopping. However, the improved levels of security seems to be their preference:

In a study of 4,000 customers across the UK, France, Germany and Spain, individuals were asked about their attitudes to both security and convenience when shopping online. The survey also asked them questions on feelings about certain specific elements of the new SCA requirements, and how increased security at checkout would influence their buying behaviour.

The results uncovered a slight preference for security over conversion, with 58% of shoppers prioritising security. (Source –

What can you do to reduce the impact of SCA?

  1. Focus on shortening your checkout process
    When transactions require authentication, this can seriously lengthen a checkout process. To stop your customers from getting frustrated and potentially abandoning their cart, you will need to find a way to balance the new security measures with a convenient checkout experience for your customers.
  2. Look out for unexpected liability
    According to the European Payments Council: “PSD2 foresees that the payer can claim full reimbursement from their PSP in case of an unauthorised payment if there was no SCA measure in place and if the payer did not act fraudulently.” That means that when using SCA, any fraud issues will fall to the card issuer, rather than your company.
  3. Use your resources to inform your customers in a positive way
    Becoming SCA compliant will affect all areas of your company from product to legal, operations, marketing and finance teams too. To keep your end customers in the know, it will work in your favour to communicate the positives and benefits of extra security during their transactions.

We hope this will help to prepare you for the introduction of SCA next month. If you would like any assistance in informing your customers about the benefits of these changes, get in touch with our marketing team on 01522 581911 and we’ll be happy to help.