{"id":10289,"date":"2025-08-06T17:40:13","date_gmt":"2025-08-06T15:40:13","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/sca-o-autenticacion-reforzada\/"},"modified":"2026-01-27T13:12:18","modified_gmt":"2026-01-27T12:12:18","slug":"sca-o-autenticacion-reforzada","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/en\/glossary\/sca-o-autenticacion-reforzada\/","title":{"rendered":"SCA"},"content":{"rendered":"<h2 data-start=\"246\" data-end=\"298\"><span class=\"ez-toc-section\" id=\"What_is_Strong_Customer_Authentication_SCA\"><\/span><strong data-start=\"249\" data-end=\"298\">What is Strong Customer Authentication (SCA)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"300\" data-end=\"505\"><strong data-start=\"300\" data-end=\"340\">Strong Customer Authentication (SCA)<\/strong> is one of the key requirements introduced by the PSD2 regulation. Its purpose is to ensure the security of digital payments made by customers in an online business.<\/p>\n<p data-start=\"507\" data-end=\"700\">Its main objective is to <strong>verify the identity of the customer<\/strong> during an online transaction, guaranteeing that the person making the payment is truly the holder of the account or card being used.<\/p>\n<h2 data-start=\"702\" data-end=\"754\"><span class=\"ez-toc-section\" id=\"How_does_Strong_Customer_Authentication_work\"><\/span><strong data-start=\"705\" data-end=\"754\">How does Strong Customer Authentication work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"756\" data-end=\"993\">SCA is mandatory for both financial institutions and <strong data-start=\"809\" data-end=\"841\">TPPs (Third Party Providers)<\/strong>, which must also comply with these rules.<br data-start=\"883\" data-end=\"886\" \/>The system verifies the authenticity of the customer using at least two of the following three factors:<\/p>\n<ul data-start=\"995\" data-end=\"1183\">\n<li data-start=\"995\" data-end=\"1042\">\n<p data-start=\"997\" data-end=\"1042\"><strong data-start=\"997\" data-end=\"1020\">Something they know<\/strong> (a PIN or password)<\/p>\n<\/li>\n<li data-start=\"1043\" data-end=\"1120\">\n<p data-start=\"1045\" data-end=\"1120\"><strong data-start=\"1045\" data-end=\"1068\">Something they have<\/strong> (their mobile phone or another electronic device)<\/p>\n<\/li>\n<li data-start=\"1121\" data-end=\"1183\">\n<p data-start=\"1123\" data-end=\"1183\"><strong data-start=\"1123\" data-end=\"1145\">Something they are<\/strong> (fingerprint or facial recognition)<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1185\" data-end=\"1331\">By combining these elements, SCA significantly reduces fraud attempts in electronic transactions and increases consumer trust in digital commerce.<\/p>\n<p data-start=\"1185\" data-end=\"1331\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-13977\" src=\"https:\/\/paynopain.com\/wp-content\/uploads\/2023\/02\/SCA-en.png\" alt=\"\" width=\"750\" height=\"500\" srcset=\"https:\/\/paynopain.com\/wp-content\/uploads\/2023\/02\/SCA-en.png 750w, https:\/\/paynopain.com\/wp-content\/uploads\/2023\/02\/SCA-en-300x200.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<h2 data-start=\"1333\" data-end=\"1356\"><span class=\"ez-toc-section\" id=\"More_information\"><\/span><strong data-start=\"1336\" data-end=\"1356\">More information<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1358\" data-end=\"1424\">If you want to learn more, here\u2019s a related article from our blog:<\/p>\n<ul>\n<li data-start=\"1426\" data-end=\"1479\"><a href=\"https:\/\/paynopain.com\/en\/blog\/psd2-the-basic-payment-standard-in-europe\/\"><strong data-start=\"1426\" data-end=\"1479\">PSD2 \u2013 The essential payment regulation in Europe<\/strong><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is Strong Customer Authentication?<\/p>\n<p>Strong Customer Authentication (SCA) is one of the most important requirements introduced by the PSD2 regulation.<\/p>\n","protected":false},"featured_media":9382,"template":"","meta":{"_acf_changed":false},"class_list":["post-10289","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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