SCA, introduced by the revised Payment Services Directive (PSD2), is an upgraded security measure, used to authenticate online card payments. It came into effect on December 31, 2020 in the European Economic Area (EEA), and on September 14, 2021 in the UK.
3DS2 is the new version of the 3D Secure authentication protocol. It is the best way to implement SCA, adding multi-factor authentication and data-rich risk analysis to online card payments.
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