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So, will you always ask me for SCA?

No, there will be many payments for which we will not ask you for SCA. The regulations aim to generate security, but also comfort according to the type of order or payment operation.

 

On one hand, there are various types of payments that, due their actual nature, are excluded by the PSD2 from the requisite of requesting reinforced authentication. For example, these include sales by mail or telephone, or periodic payments of certain subscriptions or services (for example, multimedia content platforms where you view your favourite series). 

 

Moreover, depending on whether the payment is low-risk, the PSD2 allows us to provide strong authentication requisite exemption. 

 

Return to frequent questions on PSD2 for individuals.

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