Cardinal is Ready for PSD2 SCA

We are here to help you get PSD2 SCA ready!

PSD2 SCA is here. Are you ready?

Will your business be able to accept electronic payments now that PSD2 SCA is in effect?

PSD2’s Strong Customer Authentication requirement is now in effect. The requirement was created to protect consumers during digital transactions and reduce fraud.

Should I care?

If you sell in (or are acquired in) the EEA, and you sell to consumers whose cards are issued in the EEA, you should definitely care! You'll need to challenge all your customers unless you can manage the complex exemption options. But first, you'll have to know if you are even eligible for exemptions. If you aren't prepared for SCA, you need to start right away.

With PSD2 now in effect in Europe, online merchants and issuers are preparing for the next fast-approaching deadline: Strong Customer Authentication (SCA).

Our beginners guide will walk you through what you need to know, so you understand how it affects you and your business. From grasping the basics to managing exemptions to implementing a solution. Download now!

What is PSD2?

PSD2 is the 2nd Payment Services Directive established by the European Banking Authority (EBA). This directive is designed to drive payment innovation and data security by reducing competitive barriers, mandating new security processes and encouraging standardized technology.

Benefits of PSD2 are consumer-focused, meaning issuers and merchants need to be prepared for new challenges.

There are many layers to PSD2, including the SCA requirement.

Understanding PSD2 SCA

The SCA mandate is here. Are you prepared for it?

SCA requires a 2-Factor Authentication method for online transactions

Understand the PSD2 SCA delay

We answer some FAQs regarding the PSD2 SCA delay.

PSD2 SCA delay FAQs

What is SCA?

In most European countries, as of 14 September 2019, a Strong Customer Authentication (SCA) solution is now required for all digital transactions, as part of PSD2. All card issuers and merchants/acquirers must support an SCA solution, which requires two of the three types of identification listed below.




Download our SCA Solution Paper

Let us help you understand exemptions for SCA requirements

Exemptions for SCA Requirements What Are They and What a Merchant Needs to Know to Use Them

Let’s begin by breaking down some of the exemptions offered under PSD2 SCA – what they are, what they
require, who they are available to, and what they mean to a merchant.



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Learn the Truth about PSD2 SCA and EMV® 3-D Secure

The Truth about PSD2 SCA and EMV 3DS

We know that PSD2 SCA can be confusing. Let us answer some questions you may have about how to manage PSD2 SCA.  We have the truth for PSD2 SCA.


Get the truth today

Do you know the truth to common PSD2 SCA myths?

myths of PSD2 SCA and their facts

There is a lot of confusion and misinformation circulating in the payments and fraud landscapes today. It’s hard to know who you should listen to. Here are 10 statements we’ve heard, followed by the real story you need to know.


Learn what's myth and what's fact now