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= What is SCA? =
SCA (strong customer authentication) is a new European requirement created to make online payments more secure. SCA is based on the use of two or more of the following elements - categorized as knowledge, ownership and inherenceinherent:
- Something only the user knows (e.g. password, code, personal identification number).
- Something that only the user owns (e.g., token, smart card, cell phone).
- Something that the user is (e.g., biometric, such as a fingerprint).
This regulation applies to all EU-based companies that charge credit cards issued in the EU.
