npInsights

FAQs: Strong Customer Authentication

Issue link: https://hub.blackbaud.co.uk/i/1142527

Contents of this Issue

Navigation

Page 0 of 1

Strong Customer Authentication (SCA) What is SCA? Strong Customer Authentication (SCA) is a new European requirement created to reduce fraud and make online payments more secure. From 14 September 2019, when an individual with a card issued in the European Economic Area (EEA) makes a payment online, extra levels of authentication will be required at the time of the transaction. This will apply to payments over £30, or to lower transactions if the same card has been used elsewhere previously in the same day. As ways of committing fraud are constantly changing, the aim of SCA is to: • reduce fraud • provide added security to online payments, and • act as a "frictionless authentication," improving the donation experience and providing security against the emergence of new online payment threats. Failure to adhere to SCA will result in the rejection of donations by financial institutions across the European Economic Area (EEA). What changes will this require? In the past, supporters could simply enter their card number and a CVC verification code, but with the revised EU Payment Services Directive (PSD2), more information will be required at the time of payment. A new specification, 3D Secure 2.0, has been introduced to make it easier to collect SCA information at the time of the transaction. From 14 September onward, authentication must include two or more of the following: • Something you know Such as a password or secret fact • Something you own Such as a mobile phone or token • Something you are Such as a fingerprint or voice pattern Whilst the number of required data points is increasing, more customer choice should mean better authentication experiences and fewer drop-offs! 1 +44 (0) 207 601 7100 | solutions@blackbaud.co.uk | www.blackbaud.com

Articles in this issue

Links on this page

view archives of npInsights - FAQs: Strong Customer Authentication