PSD2 SCA

All you need to know about the new authentication standard for eCommerce payments.

On September 14, 2019, the Strong Customer Authentication (SCA) came into effect for online payments.

The main goal of this standard is to improve the payments security for the benefit of all the intervening parties: merchants, consumers and payment entities.

December 31, 2020, is the deadline that the European Banking Authority (EBA) has fixed for the European eCommerce and the other payment entities to be adapted to solutions that ensure the fulfillment of PSD2 SCA.

What is the Strong Customer Authentication (SCA)?

When the SCA is applied, the client will have to prove that they are the legitimate owners of the payment method. For this, the system will ask the client to authenticate themselves providing additional information, which could be some of the following combinations:


POSSESSIONConfirm in the bank’s APP using fingerprint scanning.

INHERENCEInsert a code sent by SMS to the client’s Smartphone during the purchase, plus a PIN for online shopping.

All this is possible thanks to the most updated versions of 3D Secure technology that we make available to you within our solution.

What is 3DS2?

3DS2 is the new technology credit card schemes use that will allow you to fulfill the requirements of the PSD2 SCA. One of the main characteristics of this version is that it sends much more data (about the transaction, the device and the customer) feeding our scoring systems to allow an early fraud detection and minimize the number of purchases that must be authenticated using the SCA.


Purchase with strong authentication

How will the purchase experience of my customers be when SCA is required?

Frictionless purchase

How will the purchase experience of my customers be when SCA is not required?

What steps should I take to adapt my eCommerce to SCA?

If currently all your operations are authenticated

You are already prepared for SCA.

And if I want to offer to my clients the best payment experience?

You need to adapt your integration to 3DS2 and you need to provide the gateway the more information about the transaction the better.

You will receive the information and documentation in your email and you will have a specialized Comercia Global Payments support team during all the adaptation process.




If currently not all your operations are authenticated

In order to continue offering the best payment experience without authenticating all transactions you need to adapt your integration to 3DS2 and you need to provide the gateway the more information about the transaction the better.

You will receive the information and documentation in your email and you will have a specialized Comercia Global Payments support team during all the adaptation process.