Is your shopping cart ready for PSD2 SCA?

Protect your shopping cart before the SCA requirement is enforced.

Protect your shopping cart before the SCA requirement is enforced.

Authentication is core to payment processing in Europe, so if your digital transactions are not authenticated, you will be expected to implement a solution before your business is impacted.

PSD2 will have a significant impact on your e-commerce shopping carts as the new SCA rules become effective.


- Merchants must support a two-factor authentication solution in order to successfully process payments – this will have a direct impact on a merchant’s ability to accept online payments.
- In order to accept payments, an SCA solution is required to be built into checkout flows for transactions in the EEA.

There’s a lot to consider when preparing for the SCA requirement – including the different ways your online payments are being processed. There are 3 key questions you need to ask yourself before implementing an SCA solution in your business.

To process online payments, your shopping cart, gateway, and plug-in must support the criteria for PSD2 SCA. If they don’t comply, you’ll need to find a solution that fits the new security standards.


Connect your shopping cart for EMV® 3DS – the industry standard for meeting SCA requirements.

- 3DS simplifies the payment authentication process for you and your customers during checkout.
- It works behind the scenes on any device and enables two-factor authentication.
- Merchants can support 3DS in their shopping cart using our 3DS plug-in modules.


For over two decades we’ve been bringing new merchants, issuers, and shoppers together in an experience where everybody wins. We partner with many popular shopping carts and gateway providers who already support 3DS.

- Cardinal’s 3DS solution fulfills the PSD2 SCA requirement – we connect to the most popular shopping carts
- Help solve for SCA, using Cardinal’s shopping cart modules – we do the heavy lifting
- With one integration, you can connect with the shopping carts you use most – we make implementation easy

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Is your shopping cart ready for PSD2 SCA?

Authentication is core to payment processing in Europe, so if your digital transactions are not authenticated, you will be expected to implement a solution before your business is impacted.

read more