What is Strong Customer Authentication (SCA)?

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.

  1. Knowledge – something they know – e.g. PIN, passcode, memorable information, etc.
  2. Possession – something they have – e.g. a card, key fob, phone, etc.
  3. Inherence – something they are – e.g. fingerprint, iris scan, facial-recognition, voice, etc.

  3-D Secure is a form of SCA.

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