The DSP2 The PSD2 (Second Payment Services Directive) is a European directive aimed at encouraging innovation, improving consumer protection, and enhancing the security of payment services. The RTS (Regulatory Technical Standards) related to DSP2 PSD2 mandates the use of the authentication process for all e-commerce payments initiated by the cardholder. The goal is to meet the requirements of strong customer authentication (Strong Customer Authentication - SCA) to minimize risk for merchants while simplifying and streamlining the user journey.
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Strong customer authentication (SCA) is a regulatory requirement introduced under DSP2PSD2. During an online payment, strong two-factor authentication may be requested from the cardholder, confirming that the person making the payment is indeed the cardholder. An authentication is considered strong when it combines two of the following three authentication factors:
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