Strong customer authentication (SCA) uses at least two independent authentication factors from different categories: knowledge, possession and inherence. PSD2 rules determine when EU payment providers must apply this stronger check and which exemptions may apply.[2] SCA describes an authentication requirement, not a single payment product.
3D Secure can support this authentication for online card payments but is not identical to the legal requirement.[1] Ensure the payment flow allows requested checks to complete. An exemption or successful authentication does not automatically mean authorisation, delivery and later settlement have all succeeded.
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Compiled with AI assistance using public sources. General explanation, not individual legal or tax advice. Describing a concept does not mean Zoloo offers it as a feature.