{"id":10291,"date":"2025-08-06T17:40:13","date_gmt":"2025-08-06T15:40:13","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/sca-o-autenticacion-reforzada\/"},"modified":"2026-01-27T13:12:03","modified_gmt":"2026-01-27T12:12:03","slug":"sca-o-autenticacion-reforzada","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/ro\/glosar\/sca-o-autenticacion-reforzada\/","title":{"rendered":"SCA"},"content":{"rendered":"<h2 data-start=\"3154\" data-end=\"3200\"><span class=\"ez-toc-section\" id=\"Ce_este_Autentificarea_Refortata_SCA\"><\/span><strong data-start=\"3157\" data-end=\"3200\">Ce este Autentificarea Refor\u021bat\u0103 (SCA)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3202\" data-end=\"3434\"><strong data-start=\"3202\" data-end=\"3242\">SCA (Strong Customer Authentication)<\/strong>, sau autentificarea \u00eent\u0103rit\u0103, este unul dintre elementele esen\u021biale ale reglement\u0103rii PSD2, creat\u0103 pentru a garanta securitatea pl\u0103\u021bilor digitale efectuate de clien\u021bii magazinelor online.<\/p>\n<p data-start=\"3436\" data-end=\"3635\">Obiectivul principal este <strong>verificarea identit\u0103\u021bii clientului<\/strong> \u00een timpul unei tranzac\u021bii online, asigur\u00e2nd c\u0103 persoana care efectueaz\u0103 plata este cu adev\u0103rat titularul contului sau al cardului folosit.<\/p>\n<h2 data-start=\"3637\" data-end=\"3686\"><span class=\"ez-toc-section\" id=\"Cum_functioneaza_Autentificarea_Refortata\"><\/span><strong data-start=\"3640\" data-end=\"3686\">Cum func\u021bioneaz\u0103 Autentificarea Refor\u021bat\u0103?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3688\" data-end=\"3967\">Autentificarea refor\u021bat\u0103 este obligatorie at\u00e2t pentru institu\u021biile financiare, c\u00e2t \u0219i pentru <strong data-start=\"3781\" data-end=\"3816\">TPP (Third Party Providers)<\/strong>, care trebuie s\u0103 respecte acelea\u0219i reguli.<br data-start=\"3859\" data-end=\"3862\" \/>Sistemul verific\u0103 autenticitatea clientului folosind cel pu\u021bin dou\u0103 dintre urm\u0103toarele trei elemente:<\/p>\n<ul data-start=\"3969\" data-end=\"4129\">\n<li data-start=\"3969\" data-end=\"4011\">\n<p data-start=\"3971\" data-end=\"4011\"><strong data-start=\"3971\" data-end=\"3987\">Ceva ce \u0219tie<\/strong> (un PIN sau o parol\u0103)<\/p>\n<\/li>\n<li data-start=\"4012\" data-end=\"4071\">\n<p data-start=\"4014\" data-end=\"4071\"><strong data-start=\"4014\" data-end=\"4029\">Ceva ce are<\/strong> (telefonul mobil sau un alt dispozitiv)<\/p>\n<\/li>\n<li data-start=\"4072\" data-end=\"4129\">\n<p data-start=\"4074\" data-end=\"4129\"><strong data-start=\"4074\" data-end=\"4090\">Ceva ce este<\/strong> (amprenta sau recunoa\u0219terea facial\u0103)<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4131\" data-end=\"4266\">Prin combinarea acestor factori, SCA reduce semnificativ \u00eencerc\u0103rile de fraud\u0103 \u0219i cre\u0219te \u00eencrederea consumatorilor \u00een comer\u021bul digital.<\/p>\n<p data-start=\"4131\" data-end=\"4266\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-14610\" src=\"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/08\/SCA-ro-1.png\" alt=\"\" width=\"750\" height=\"500\" srcset=\"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/08\/SCA-ro-1.png 750w, https:\/\/paynopain.com\/wp-content\/uploads\/2025\/08\/SCA-ro-1-300x200.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<h2 data-start=\"4268\" data-end=\"4295\"><span class=\"ez-toc-section\" id=\"Mai_multe_informatii\"><\/span><strong data-start=\"4271\" data-end=\"4295\">Mai multe informa\u021bii<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4297\" data-end=\"4367\">Dac\u0103 vrei s\u0103 afli mai multe, \u00ee\u021bi l\u0103s\u0103m un articol relevant de pe blog:<\/p>\n<ul>\n<li data-start=\"4369\" data-end=\"4421\"><a href=\"https:\/\/paynopain.com\/ro\/blog\/psd2-standardul-pentru-plati-in-europa\/\"><strong data-start=\"4369\" data-end=\"4421\">PSD2 \u2013 Norma esen\u021bial\u0103 privind pl\u0103\u021bile \u00een Europa<\/strong><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ce este Autentificarea Refor\u021bat\u0103?<\/p>\n<p>SCA (Strong Customer Authentication) este unul dintre cele mai importante elemente ale reglement\u0103rii PSD2.<\/p>\n","protected":false},"featured_media":9385,"template":"","meta":{"_acf_changed":false},"class_list":["post-10291","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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