Things To Know About The Visa Delegated Authentication Program

 

There is so much that has been said about how the key to strong customer authentication (SCA) is in the specifics - what to exempt, the iteration of 3D Secure. However, one piece of the puzzle that is crucial to creating a smooth customer experience cannot be ignored, which is the significance of the visa delegated authentication program. To put it simply, the only way that an online merchant can maintain total control of their customer experience under PSD2’s strong customer authentication requirements is by running their ecommerce site with delegated authentication.

Strong customer authentication is a very crucial element of the new online transaction regulation PSD2 (payment security directive 2). It is already in effect in most of the European Union and the United Kingdom. PSD2’s regulations are relatively simple - strong customer authentication needs consumer’s identity be authenticated by at least 2 out of 3 methods, namely something the user knows (like a passcode), something the user owns (like a laptop or phone), and something the user is (like a biometric such as face id or a fingerprint).

So, how exactly is the strong customer authentication accomplished? The biometric identity verification process is typically undertaken by the cardholder’s bank, unless the merchant steps in. This means that the process for an online retailer will involve the customer shopping at the merchant’s website, deciding to purchase something, adding a product to a cart, clicking ‘buy’, and then being redirected to a bank’s site or app.

The bank’s website does not have the merchant’s branding and the authentication process may or may not be intuitive. The customer may abandon the transaction since they find the authentication process invasive and wonder who exactly they are giving their personal information to.

For more information on the visa delegated authentication program, visit our website at https://loginid.io/

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