SCA Update: Enforcement Timeline Change for UK Card Payments

We wanted to give you a quick update on the upcoming Strong Customer Authentication (SCA) requirements being introduced to Europe next month for online card payments.

Last week, the UK regulator granted an 18 month phase-in period to give banks and businesses more time to prepare for these new requirements. As a result, we don’t expect banks to fully require SCA for payments from UK cards until March 2021.

If the majority of all your payments volume is from UK cardholders, we still recommend updating your payments flow as early as possible to help avoid an increase in declines from other European cards, or in case of early enforcement by select banks.

If you update your integration to the new solutions ahead of 14 September 2019, some payment providers won’t trigger authentication unless required by the cardholder’s bank.

Similarly, after 14 September 2019, each country’s enforcement timeline will be taken into account and authentication will only be applied where SCA is required.

If you have any questions, please get in touch for answers to the most common SCA questions and we will be able to assist you in updating your payment flow.

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