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On 14 March 2022, requirements for Strong Customer Authentication (SCA) in the context of e-commerce took effect. This follows the managed programme UK Finance led on behalf of members in order to ensure an orderly migration to SCA.
The central programme team has now stood down, having delivered on the success criteria set out by members, including but not limited to:
Following the successful implementation of SCA, members have identified Merchant Initiated Transactions as one area where they see benefit in having continued industry discussions. Until June 2022, we will continue to collect industry data to monitor the impact on merchants and consumers.
Strong Customer Authentication (SCA) is a new set of rules that will change how you confirm your identity when making purchases online. The implementation of SCA requires merchants and Payment Service Providers (PSPs) to work together with technology suppliers, card schemes and many others to deliver SCA in a way which works well for customers