3D Secure 2 (3DS2)为用户提供了比3D Secure 1 (3DS1)更友好的用户体验。 3D Secure 2的每个版本都与强客户身份验证兼容，并且3D Secure 1将逐渐被替代（目前绝大多数大的借记卡和信用卡公司已经不再支持）。 本地支付方式与电子钱包. 除了3D Secure 2之外，您还可以通过本地支付方式和数字钱包确保您的支付服务符合强客户身份验证要求。 这种方法有一些额外优势，可以增加某些市场和用例中的转化率。 在整个欧洲经济区，我们可以发现当地支付方式的很好地适应 …

Strong customer authentication (SCA) is a requirement of the EU Revised Directive on Payment Services (PSD2) on payment service providers within the European Economic Area. The requirement ensures that electronic payments are performed with multi-factor authentication, to increase the security of electronic payments. [1]

The proposed Regulatory Technical Standards on strong customer authentication and secure communication are key to achieving the objective of the PSD2 of enhancing consumer protection, promoting innovation and improving the security of payment services across the European Union.

In 2019 a requirement to require multi-factor authentication for e-commerce transactions were introduced in Europe by the revised Payment Services Directive (PSD2). Strong Customer Authentication (SCA) was initiated to increase the security of electronic payments through requiring customers to provide two forms of identification when shopping ...

PSD2 是一项欧洲法规，全称是第二版支付服务指令修订法案，旨在通过强客户认证（简称SCA）让付款更安全、更保险。 PSD2的实施被普遍认为利弊参半。 SCA： 中文名是“强力客户认证”，指的是在客户知道的信息（密码/PIN码）、设备（手机/平板）、生物特征（指纹等）这三项验证中需要同时满足两项。 虽然SCA是为了保护交易安全，但它在结账阶段给消费者带来的摩擦也不能忽略。 就算欧洲的 线上交易 经过了SCA的验证，也无法保证完全消除欺诈风险。 SCA …

2021年10月1日 · Understanding Strong Customer Authentication & PSD2. Discover what Strong Customer Authentication (SCA) is, when it’s required, and how to ensure your business is compliant.

In this guide we’ll take a closer look at Europe’s Strong Customer Authentication (SCA) requirements that Payments Services Directive 2 (PSD2) introduced and the kinds of payments they impact. We’ll also cover the available exemptions that can be requested on behalf of the businesses to offer a frictionless checkout experience.

The purpose of this guide is to summarise the main requirements of the PSD2 SCA regulation as it applies to electronic card payments and Visa’s guidance on the practical application of SCA in a PSD2 environment.

2019年8月21日 · 根据psd2规定的sca（客户身份验证）准则要求，从2019 年 9 月 14 日开始，欧洲经济区境内（eea）的消费者必须通过至少两种方式来验证小额的在线支付：如密码，指纹/面部识别码等，sca旨在增强支付的安全性并限制此身份验证过程中的欺诈行为。

Strong Customer Authentication (SCA) is a requirement from the second Payment Services Directive (PSD2). The PSD2 text introduces strict security requirements for the initiation of electronic payments in order to reduce the risk of fraud.