SCA can apply to face-to-face payments, so that banks can ensure that payments are being made by the genuine cardholder. Chip & PIN transactions are compliant, but sometimes your customers may be prompted to enter their PIN when making contactless payments.
In order to support these requirements, you might need to update your payment terminal. Please speak to your business bank for more information.
Your customers may be asked to verify their identity with two factors during the checkout process.
A technology called 3D Secure can help you meet this requirement. The latest version of this technology (called EMV 3DS Secure) will provide your customers with the most convenient experience as they go through this process, reducing the likelihood that any additional steps will be required by your customer and reducing the chance they will abandon the purchase. This version of the technology is also more suited for use on mobile phones.
There are also some e-commerce transactions which are out of scope of the regulation, and others that may be exempt. Your bank/checkout provider may also be able to help you “flag” the payments that don’t require SCA – this adds a certain code so that some payments can pass through without the need for extra checks. Please see our Infographic on Out of Scope and Exempt Transactions for more details.
Please access relevant resources in our Resource Library.