Strong Customer Authentication Solutions

  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), somet...

  If you have not yet taken advantage of the Visa Delegated Authentication program in your business, you should consider doing so. The PSD2 regulation allows issuers to delegate authority for authentication to a third-party (such as a merchant or wallet provider). The Visa Delegated Authentication program enables clients and third-parties to choose to allow Visa to manage this delegation process.  By using the biometric identity verification made possible by this program, you can be sure of getting quick and accurate identification and authentication in your business. Use of passwords and codes for security access is pretty straightforward, but generic. Anyone who has a card or pass can gain access. Biometric security technology refers to the biological passcodes that cannot be forged, which means accurate identification and authentication of the specific individual. Iris or facial recognition is more often becoming integrated as part of the security process, because scannin...