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In Europe, new requirements for authenticating online payments have been introduced as a result of the second Payment Services Directive (PSD2), and the European Banking Authority has mandated that they be fully enforced by 14 March 2022.
Traditional card payments usually involve two steps: authorization and capture. Payments are authorized when a customer's bank or card issuer approves them, and they are captured once the card is charged.
SCA requires an additional and mandatory step before authorization and authentication. To authenticate a payment, you may need to respond to a prompt from your bank that provides further information. Customers' banks may decline transactions without authentication.