Strong customer authentication (SCA)

To help combat financial and data fraud, the PSD2 requires strong customer authentication (SCA) for most online payments in Europe.

Merchants and PSPs must verify customer identity for most transactions using two factor authentication (2FA), that is at least two out of the following three authentication methods:

Strong Customer Authetication methods Strong Customer Authetication methods

If transactions aren’t appropriately authenticated, banks may have to decline them.


MultiSafepay supports the following exemptions (on request):

  • Low value payments (LVP), i.e. under 30 EUR
  • Payments subject to transaction risk analysis (TRA)

This can help you optimize conversion and minimize risk.

To apply, email your account manager at [email protected]

See also


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Other languages

For an explanation in another language, contact your account manager.