Exactly what is Strong Customer Authentication (SCA) and how does it affect me?

Strong Customer Authentication (SCA) involves application of new security measures that will make card payments even more safe, as that will be the way we will identify you when you order payments over the counter or on the Internet..


Cuando pagues con tu tarjeta en tiendas o comercios físicos, lo único que vas a notar es que es posible que te pidamos que introduzcas tu PIN con más frecuencia, incluso aunque se trate de importe inferiores a 20 €.


Para las compras online realizadas con tarjetas, SCA, comenzará a aplicarse en los próximos meses, y los factores de autenticación que te pediremos no serán los mismos que para las compras presenciales. Cuando compres online, ya no te pediremos que introduzcas únicamente el número de la tarjeta y la fecha de caducidad, sino que te pediremos 2 de los siguientes 3 tipos de factores de autenticación:

  • Knowledge: Algo que solamente tú conoces por ejemplo, tu contraseña de acceso a la banca electrónica, o determinadas posiciones del Pin de tu tarjeta. 
  • Possession: Algo que solamente tú posees, por ejemplo, nuestra App vinculada a tu Smartphone, o el móvil  en el que recibes las contraseñas de un solo uso que te enviamos por SMS.
  • Inherent: something you "are", for example, biometric elements such as facial features or a fingerprint.


These new measures have been designed to provide you even more confidence and protection when paying.


Some small changes will make your purchases safer. 


Return to frequent questions on PSD2 for individuals.

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