Strong Customer (SCA) enforcement date

Strong Customer Authentication (SCA) requirements officially went into effect on 14 September 2019, and the European Banking Authority mandated that these requirements should be fully enforced by 1 January 2021. In response to this, many countries in Europe have communicated their individual enforcement timelines. Now that the official SCA enforcement date has passed, we recommend preparing your payment flows immediately. This will help prevent an increase in declines as enforcement of these requirements ramps across European banks. Our new payments APIs and other SCA-ready solutions are designed to take this uncertainty into account. If you are using our SCA-ready solutions, we will only apply authentication and exemptions when they are required by the cardholder's bank—adjusting to each country’s enforcement timeline to minimise friction.