More security in electronic payment transactions
Strong customer authentication (SCA)

SCA – Strong Customer Authentication

The European Union is making online retail even more secure!

The objective is to create a trustworthy environment both for the merchant as well as for the customer. Additionally, this will reduce the risk of abuse, which in turn means cost savings for the merchant.

Previously optional guidelines will become obligatory as of 14 September 2019. The European Banking Authority (EBA) demands the clear authentication of the payer with at least two of the following elements.


PIN, password and other security questions whose answers are only known to the customer


Smartphone, token and other objects which are only in the customer’s possession


Fingerprints as well as all aspects and biometric characteristics that identify the individual customer