As of now, EMV 3DS is the only tool available to perform SCA on purchases made via credit card for PSD2 compliance.
PAAY supports SCA by enabling the use of two-factor authentication. Its flexibility allows issuers to accommodate their authentication preferences, and using risk and regulatory factors, issuers decide how the customer will be authenticated. For example, using a one-time-passcode, knowledge-based questions, or biometrics.Schedule a Free Consultation
PAAY automatically applies SCA in PSD2 live countries, and helps you manage exemptions while leveraging our frictionless authentication in countries where SCA is not required. Using knowledge of the card issuer’s behavior, PAAY optimizes the customer experience while protecting your sales.
The Credit Card Frictions report focuses on how frictions associated with credit card use (such as transaction declines and disputes) impact consumer perceptions of the parties involved in these transactions. The report is based on a survey of more than 2,000 U.S. consumers who engage in online shopping.Download
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