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SCA implementation timeline

Strong Customer Authentication (SCA) is a new set of rules that changes how consumers confirm their identity when making purchases online. The first phase of the rules were introduced on 14th March 2022 in the UK. The most recent milestone was the retirement of 3DSv1 on the 15th October 2022

SCA Timeline

Benefits of upgrading to the latest version of EMV 3D Secure

Although mandatory the introduction of Strong Customer Authentication as part of the Payments Services Directive 2 (PSD2) has made doing business easier, faster and safer going forward.

Added Security

Experience added security for your business and customers

More Confidence

Increased customer confidence when transacting with your business

Reduced Fraud and Chargebacks

Reduced fraud or chargebacks, liability shifts to the card issuer

Frictionless Customer Experience

Frictionless authentication and low friction challenges e.g. biometric authentication using fingerprint, facial or voice recognition that is quick and simple

Better Risk Judgement

Improved risk-based decisions using rich card holder data leading to higher approval rates

Full Support

Full support for all available exemption types and payment device types