PSD2: Introduction to Strong Customer Authentication (SCA)

We know how important seamless payments are to you and your business. So how will you maintain a frictionless journey when two factor authentication is required?

From 14 September 2019 onward, under the PSD2 regulations, two-factor authentication will be required for certain transactions. Are your fraud and authentication strategies ready for strong customer authentication (SCA)?

Managing fraud under PSD2
 

View Infographic

PSD2 Fraud Screening

Fraud screening in the age of Strong Customer Authentication (SCA)

View Guide 

Good to know

3-D Secure is the authentication protocol that supports SCA. 

Merchants will need to deploy a valid authentication method on their own checkout page or use a compliant hosted checkout. CyberSource supports 3-D Secure 2.0 and are ready to help you support SCA.

Hosted Checkout

If you are using Secure Acceptance, our hosted checkout, you can adopt 3-D Secure 2.0 with just few clicks. Because CyberSource host the checkout page, the integration to 3D Secure 2.0 has been taken care of. Your customers will be automatically directed and authenticated seamlessly when they hit the pay button.

This solution is currently offered to ensure availability by the deadline of 14th Sept 2019.

API integration

If you are using CyberSource payment APIs and you host and manage your own checkout page, you will need to upgrade your payment integration to 3-D Secure 2.0.

Not supporting 3-D Secure 2.0 by Sept could lead to declined payments and lost business.

We recommend that you integrate our Payer Authentication solution to your checkout page by April 2019 to meet the deadline of 14th Sept 2019.

 

3-D Secure is the authentication protocol that supports SCA.  

Merchants will need to deploy a valid authentication method on their own checkout page or use a compliant hosted checkout. CyberSource supports 3-D Secure 2.0 and are ready to help you support SCA.

Hosted Checkout

If you are using Secure Acceptance , our hosted checkout, you can adopt 3-D Secure 2.0 with just few clicks. Because CyberSource host the checkout page, the integration to 3D Secure 2.0 has been taken care of. Your customers will be automatically directed and authenticated seamlessly when they hit the pay button.

This solution is currently offered to ensure availability by the deadline of 14th Sept 2019.

API integration

If you are using CyberSource payment APIs and you host and manage your own checkout page, you will need to upgrade your payment integration to 3-D Secure 2.0.

Not supporting 3-D Secure 2.0 by Sept could lead to declined payments and lost business.

We recommend that you integrate our Payer Authentication solution to your checkout page by April 2019 to meet the deadline of 14th Sept 2019.