SCA stands for Strong Customer Authentication. It is where the shopper is required by their bank to provide information from two of the following categories to authenticate a transaction.
- Knowledge – something they know – e.g. PIN, passcode, memorable information, etc.
- Possession – something they have – e.g. a card, key fob, phone, etc.
- Inherence – something they are – e.g. fingerprint, iris scan, facial-recognition, voice, etc.
3-D Secure is a form of SCA.