On 14 September 2019, new requirements for authenticating online payments called Strong Customer Authentication (SCA) will be introduced in Europe as part of the second Payment Services Directive (PSD2).

Strong Customer Authentication (SCA) is a new European regulatory requirement to reduce fraud and make online payments more secure. To accept payments once SCA goes into effect, you will need to build additional authentication into your checkout flow.

In this guide we’ll take a closer look at these new requirements and the kinds of payments they will impact. Finally, we’ll cover the exemptions that can be used for low-risk transactions to offer a frictionless checkout experience.