Building your strategy
Think about your business goals
Decide what makes more sense for your wider business objectives: Doing the minimum to avoid declined transactions once SCA is applied? Or using SCA as an opportunity to offer a checkout experience that is both more secure and smooth? If it's the latter, you should consider adopting the latest SCA-related innovations.
The role of 3-D Secure (3DS)
The card payment industry widely accepts 3DS as the main authentication protocol. To help avoid issuer declines after SCA , merchants should support 3DS. Unlike 3DS 1, 3DS 2 allows for mobile-friendly authentication and innovations such as biometric verification. It also allows you to help issuers avoid unnecessary authentication challenges by informing them when a transaction is merchant-initiated or qualifies for an exemption.