Making secure payments with PSD2

What you need to know about Strong Customer Authentication (SCA)

A key element of PSD2 is Strong Customer Authentication (SCA). This is a new additional security check to prove it’s really you. 

As well as your card details, you’ll need to take an extra step to manage your account online or make payments. This is called two-factor authentication.

You’ll need choose two categories from this list:

• Something you know, like a password or PIN

• Something you have, like a phone or PINsentry card reader

• Something you are, like a fingerprint or face recognition

For example, when you’re paying online you could use a password (something you know) or your PINsentry card reader (something you have) to authenticate your payment. 

Or to log in to your account online, you could use a PIN (something you know) or your PINsentry card reader (something you have) to confirm your identity.