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Strong Customer Authentication (SCA) is part of the European Union’s Payment Services Directive (PSD2), adopted by the UK, designed to make online payments more secure as customers increasingly shop and pay online in the digital age.

SCA requires banks to use two independent authentication elements to verify online payments, also known as two-factor authentication. Methods of authentication include something only the customer knows (such as a password, PIN or secret fact), something only they have (such as a mobile, wearable device, smart card or token), and something the customer is (such as a fingerprint, facial features, voice pattern or iris scan). The industry standard for authenticating card payments is known as 3D Secure (3DS).

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Make sure your card contact details are up to date or you will see purchases declined