Skip to Content

SCA must be used for all remote electronic transactions unless an exemption applies. For example, low-value payments (equal/below €30, conditions apply), repetitive transactions (same amount) and transactions to trusted beneficiaries (white listing).

How is Mastercard helping with these changes?

Mastercard® Identity Check™ is our solution to the demands of PSD2 and SCA. It uses the next generation of payment authentication protocols – EMV® 3-D Secure – to reduce fraud and basket abandonment, as well as provide a better customer experience.

Mastercard® Identity Check™ improves digital payment security, increasing approvals and reducing friction for your customers while protecting them and you from card-not-present fraud – 75% of all card fraud2. It gives you:

What benefits does Mastercard® Identity Check™ provide?

It makes you fully compliant with the latest financial regulations when it comes to taking payments from your customers. Your payment service provider should be keeping you informed about these, but if not we suggest contacting them.

It also helps you:

 

Mastercard® Identity Check™ will help you manage PSD2 requirements, giving you and your customers greater peace of mind

 

 

1. UK FINANCE, STRONG CUSTOMER AUTHENTICATION (SCA: PROPOSED MANAGED ROLLOUT, 2 AUGUST 2019, 2. EUROMONITOR, FICO, 2016, 3. MASTERCARD TRANSACTION DATA, 2017, 4. DATA PASSWORDS BREACH INVESTIGATIONS REPORT, VERIZON, 2015, 5. IDENTITY CHECK PROGRAM AND EMV 3-D SECURE VERSION 2 (EMV 3DS) UPDATE, 2017