A new set of Strong Customer Authentication (SCA) requirements are being implemented that will change how people confirm their identity when making online purchases.
The British Retail Consortium (BRC) said that customers will now be asked to prove their identity when making a purchase, by confirming their identify through two of the following three ‘factors’:
- Something they are – like a fingerprint or facial ID
- Something they know – like a passcode or password
- Something they have – like a mobile phone
The SCA rules have already been applied to a small number of transactions for some time, but the proportion of transactions which need to adhere to the new requirements has been steadily increasing since the start of this year as merchants prepared themselves to meet the enforcement date.
Today’s deadline comes almost three years after the SCA requirements were announced in September 2019. With an increasing amounts of purchases being made digitally,...