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Strong Customer Authentication (SCA) Compliance

Learn how your company is impacted by the Strong Customer Authentication regulations and what you can do to stay compliant.


What is SCA?

Strong Customer Authentication (SCA) is a regulation that came into effect as of September 14, 2019, as part of the Revised Payment Services Directive (PSD2) in Europe. This regulation requires changes to how your European clients authenticate online payments.


To comply with SCA regulations, card payments must offer a specific user experience, such as 3D Secure. Transactions that don’t adhere to the new authentication guidelines may be declined by your clients’ banks.

Is my business impacted?

Your business is affected by the SCA regulations if the following apply:

  • Your business is based in the European Economic Area or you create payments on behalf of connected accounts based in the EEA
  • You serve customers in the EEA
  • You accept cards (credit or debit)


Although low-risk transactions typically do not require authentication, banks have the ability to request that the customer complete authentication regardless. Update your integration even if you mostly handle low-risk transactions to enable clients to complete authentication upon bank request.


Using EmailMeForm for SCA compliance

If you are serving customers in the EU and want to be SCA compliant, using EmailMeForm payment integrations will allow you to continue risk free. Stripe Checkout is an SCA and PCI compliant payment integration that allows you to collect payments in different currencies, validate cards in real-time, and more. 


Find out how to integrate Stripe Checkout into your forms. 

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