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The Financial Conduct Authority (FCA) announced and agreed to a managed rollout for SCA with UK Finance to give the payments and e-commerce industry extra time to implement SCA.
To facilitate ongoing commitment to the managed rollout and for the best customer and industry outcomes, UK Finance set up a central Programme Management Office. In the managed rollout, we propose a number of measures aimed at implementing SCA at pace, but also in a way that is structured to help coordinate as well as help answer the remaining tricky questions the industry still has. This page will be regularly updated with information for the industry, merchants and consumers.
In light of the impact of Covid-19 on key stakeholders, and to minimise the impact on both consumers and e-merchants, the FCA has updated their Strong Customer Authentication page to give an additional six months to implement strong customer authentication (SCA) for e-commerce, to a revised date of 14 September 2021. This can be found here.
The FCA statement clearly expects momentum to be maintained but recognises that additional time may be needed due to the impacts of Covid-19.
The UK Finance SCA Programme Team have developed a revised implementation roadmap which can be found here
The focus of the rollout is a technology called 3DSecure which will help to facilitate the authentication of the majority of card-based transactions. However, there are other SCA compliant solutions available in the market, such as those provided by Payment Initiation Services (e.g. through Open Banking), Apple Pay or Google Pay as well as other potential solutions.
It is important to remember that some documents previously published on this site will still refer to the end of the managed rollout as March 2021, please note this is now 14 September 2021.
INFORMATION FOR STAKEHOLDERS
Communication - Travel and Hospitality Readiness
SCA Implementation Roadmap Nov 20
SCA UK Implementation and ramp up plan Nov 20
SCA Guidance - December 2020
Strong Customer Authentication: Considerations for what can be used as a second factor alongside One Time Passcode (OTP)
Strong Customer Authentication: Communication on improving outcomes from 3DSecure – Data Consistency
Contacting the UK Finance Strong Customer Authentication Programme
Leadership and Working Group structure
Strong Customer Authentication - Calendar of events
Strong Customer Authentication Business Working Group - Terms of Reference
Strong Customer Authentication Programme Steering Group (PSG) - Terms of Reference
Strong Customer Authentication Programme Working Group - Terms of Reference
Strong Customer Authentication Regulatory Working Group - Terms of Reference
Strong Customer Authentication Technical Working Group Sub - Terms of Reference
Redacted - UK Finance SCA Programme - Testing Approach and Guidance
Communication - Travel and Hospitality Readiness
SCA Implementation Roadmap Nov 20
SCA UK Implementation and ramp up plan Nov 20
SCA Guidance - December 2020
UK Finance Communication on Strong Customer Authentication
Strong Customer Authentication: Considerations for what can be used as a second factor alongside One Time Passcode (OTP)
Strong Customer Authentication: Communication on improving outcomes from 3DSecure – Data Consistency
Contacting the UK Finance Strong Customer Authentication Programme
Leadership and Working Group structure
Strong Customer Authentication - Calendar of events
Strong Customer Authentication Business Working Group - Terms of Reference
Strong Customer Authentication Programme Steering Group (PSG) - Terms of Reference
Strong Customer Authentication Programme Working Group - Terms of Reference
Strong Customer Authentication Regulatory Working Group - Terms of Reference
Strong Customer Authentication Technical Working Group Sub - Terms of Reference
Redacted - UK Finance SCA Programme - Testing Approach and Guidance
UK Finance Communication on Strong Customer Authentication
Strong Customer Authentication: Communications for Consumers
If you are a Payment Service Provider (PSP), vendor or a merchant and would like to get involved in the programme, or to receive more information, please click the button below
Get in touchThe SCA Programme Management Office have recorded a series of webinars which are now available to view on demand. These webinars are free to watch and we encourage all stakeholders active in e-commerce to view. Topics covered are: SCA - Overview of the programme, key deliverables and communications; SCA - Finding a second factor – behavioural biometrics; SCA – 3DS implementation approach; SCA – Impact on travel and hospitality part 1; SCA – Operational resilience; SCA – Dynamic linking.
You can access these webinars here