Strong Customer Authentication

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Strong Customer Authentication (SCA) is new requirement that came into force in your country, which introduces security measures known as two-factor authentication to make online and in-store payments even more secure for customers. It includes measures designed to provide customers who make payments using Visa cards with greater confidence and protection during the transaction. These new rules help banks make sure that the payment is made by the genuine Visa cardholder.

After implementation of SCA, your customers may need to confirm the payment when paying with a Visa card by taking an additional step using two elements from the following categories:

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Reducing the risk of fraud

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Improving payment security

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Increasing of customer confidence

If your business is ready for SCA, you will be able to offer your customers fast and easy payments with Visa and benefit from the implemented changes. Learn more about how you can prepare your business for SCA to integrate the new customer authentication in payment process with Visa.

For a successful SCA implementation, it is critical that your employees and customers are aware of the changes. To help you familiarize your employees with the changes, we have created:

This should help your employees feel more confident and relaxed about SCA matters. If your customer has specific questions about SCA, ensure that your staff is informed about the need to refer the customer to the issuer.

Contact your Acquiring partner to learn more about SCA implementation and how Visa can help you to improve the security and trust of your customers.

What is SCA?
SCA is part of new laws that have come into force in Ukraine. These laws introduce security measures called two-factor authentication to help keep customers even safer when making transactions online. They aim to give customers paying with their Visa and businesses accepting Visa payments more confidence and protection during the transaction process. These security measures help banks ensure only the genuine cardholder is paying with their Visa. This is an industry-wide change.
How will this affect my business?
Strong customer authentication empowers you and your customers, increasing payments security and providing better fraud protection.

If your business is ready for SCA, you will be able to offer your customers fast and convenient payments with Visa, as well as be sure that you are taking advantage of all the benefits provided by the changes.
What do I need to do to prepare?
You will need to contact your Acquiring partner to help you navigate the changes from a technological perspective to process online payments.

To ensure a high level of online payments for your customers:

Make sure you use 3-D Secure (3DS) to authenticate your customers – Visa offers this service through Visa Secure. Without Visa Secure, your customers may not be able to complete online transactions.

Support 3DS2.2.0 for the best customer experience. All authentications must be performed according to the protocol version no lower than EMV 3DS2.2.0.
What is two-factor authentication?
Two-factor authentication is a payment protection method that uses two factors from different categories to confirm a payment. Two-factor authentication can combine a possession factor (for example, a mobile phone) and an inherence factor (biometric data) or a knowledge factor (password). This additional layer of protection significantly reduces the risk of fraud.
What is Visa Secure?
Visa Secure is a technology used by banks to enhance payment security. When customers see "Visa Secure," they can be sure that the transaction is protected by multiple layers of security.

Find out more information at the link.

How SCA impacts your business

What is Strong Customer Authentication (SCA)

How SCA works

Purpose of Regulation

Reducing the risk of fraud

Improving payment security

Increasing of customer confidence

How to prepare your business for SCA implementation

How to prepare your employees for SCA

Protect your business and take a step towards even more secure payments with Visa

Frequently asked questions and answers

What is SCA?

How will this affect my business?

What do I need to do to prepare?

What is two-factor authentication?

What is Visa Secure?