Will PSD2 / SCA be delayed?

Last updated at: 07-11-2019

PSD2 includes a mandate for payment service providers to implement strong customer authentication (SCA) to make payments more secure for cardholders. Officially SCA requirements will come into affect as per 14 September 2019.

The European Banking Authority (EBA) has published a new Opinion on the migration and timeline of PSD2 SCA. In it, the EBA states that they allow national supervisory bodies to not enforce the regulation until 31 December 2020.

Many countries are expected to follow the EBA timeline. Several countries in Europe had their national supervisory body announce a delay already, before the EBA Opinion was released. The following countries have had their supervisory bodies communicate a delay of SCA enforcement:

For most integration scenarios, Adyen’s Authentication Engine identifies when SCA is needed and when it can be avoided. It will step in to suggest 3DS when necessary for any given transaction and skip it when it is not required.
We suggest that you are prepared to apply SCA for your transactions in scope of PSD2. Find out how here.

If you're currently not offering 3D secure, please start integrating now.

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