How are customers authenticated?

The following are methods of Strong Customer Authentication (SCA) that card issuers may use to verify the identity of customers performing transactions:




  • For most legitimate transactions, the customer will not be prompted to perform any of these authentication methods, as the card issuer has already performed enough checks in the background to be satisfied the transaction poses minimal risk of fraud.
  • The authentication methods is determined by the card issuer and cannot be affected by the merchant.
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