About Strong Customer Authentication (SCA)
On 14 September, 2019, new regulations for online payments within the European Economic Area will come into force. Read on to discover what this means for you and your campaigns.
What is SCA?
Strong Customer Authentication (SCA) is a new European regulatory requirement that is intended to better protect consumers when they pay online in order to reduce fraud and make online payments more secure.
After 14 September 2019, banks will require customers to prove their identity before they will process an online transaction. To do this, customers must provide information from two of the following three categories:
- Knowledge: something only the customer knows
Examples: password, PIN, or secret question/answer
- Possession: something only the customer has
Examples: mobile phone, hardware authenticator, or smartwatch
- Being: something only the customer is
Examples: fingerprint or facial recognition
Is it relevant to me?
The SCA regulations apply to any transaction where both the business's (your organisation) and the cardholder's (the donor) banks are located in the European Economic Area or the UK.
How do I add it to my campaign?
🚨 SCA is not supported on the older version of Raisely (v2). We're on hand to take you through the upgrade, so please get in touch. If you'd like to upgrade yourself, here's a guide to get you started. 🚨
One important note, once SCA has been enabled it cannot be disabled.
First, check your campaign version by opening your campaign in the Raisely admin panel and looking below the Live Site link.
To enable SCA on your campaigns, go to Settings > Payments, switch the Enable SCA toggle to ON, and click Save Changes:
Note: if your organisation has multiple campaigns that operate in the EEA or the UK, remember to enable SCA on each campaign!