- Combining the Authentication and the Authorization Services
- Implementing SDK Payer Authentication
- Testing Payer Authentication
- Payer Authentication Use Cases
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Simple Order API
Strong Customer Authentication
Strong customer authentication (SCA) increases the security of online payments. SCA is
required for an online payment when the issuer and acquirer are in the European Economic
Area, the U.K., or Gibraltar. To meet SCA requirements, perform payer authentication.
An SCA exemption enables you to bypass SCA requirements. SCA exemptions enable you to balance fraud reduction with a convenient payment experience for the customer. For some transactions, you must obtain approval from your acquirer before using a particular SCA exemption, especially when the acquirer is involved in the calculation of risk. You can request only one SCA exemption for a transaction.
You can request an SCA exemption when you make an authorization request
, as documented in the Credit Card Services Developer
Guide
.