On September 14, 2019, Strong Customer Authentication (SCA) requirements will take effect in Europe. These new requirements are part of the revised Payment Services Directive (PSD2) regulations and mandate that additional authentication measures be performed on certain electronic transactions.
SCA mandates that two-factor authentication be performed on electronic payment transactions involving cards. That means that for a transaction to be approved, merchants must collect and provide the card issuers with two of the following independent authentication factors:

  • Knowledge: Something they know (such as a password or PIN)
  • Possession: Something they have (such as a device or credit card)
  • Inherence: Something they are (such as a fingerprint or other biometric)

Starting September 13, SELFBLUE is updated with SCA requirements to make credit card recharges safer.