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Strong Customer Authentication is a requirement of the revised PSD2 mandate in Europe, which increases security for electronic payments. Payment Services Directive 2 focuses on customer protection by providing safer payment services across European borders since 2019.

Along with secure payments, it also minimizes the fraud risk with electronic payments through authentication. Here we will discuss its working, benefits, and other technicalities.

How does Strong Customer Authentication work?

SCA uses MFA authentications to secure all electronic payments. There are 3 main authentication criteria:

  • Something only that person knows (Pin code or password)
  • Something only that person has (their specific device)
  • Something that can identify that person (biometrics like a fingerprint)

You can read the entire article on the typing biometrics blog under the next URL: https://typing.ai/blog/what-is-strong-customer-authentication-sca

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