{"title":"Business models","category":"default","creationDate":1779796134,"content":"<p>This page helps you decide whether PSD2 SCA guidelines apply to your business model.<\/p>\n<div class=\"notices green\">\n<p>If your business model falls outside the scenarios on this page, contact our <a href=\"https:\/\/ca-test.adyen.com\/ca\/ca\/contactUs\/support.shtml?form=other\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Support Team<\/a>.<\/p>\n<\/div>\n<h2>Select your business model<\/h2>\n<p>If you'd rather see an overview of all requirements at once, refer to <a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models-overview\">SCA requirements based on business models<\/a>.<\/p>\n<div style=\"text-align: center;\">\n<div class=\"next-steps\" id=\"next-steps\" >\n<a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/sca-options\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><h6 class=\"next-steps__title\">Online purchase with shopper in-session<\/h6><p>One-off online payments with a shopper choosing to store or not store their payment details, or paying with stored details.<\/p><\/p><\/a><a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models\/subscriptions\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><h6 class=\"next-steps__title\">Subscriptions<\/h6><p>A payment to sign up for a subscription, or subsequent subscription payments.<\/p><\/p><\/a><a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models\/subscriptions\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><h6 class=\"next-steps__title\">Contracts with non-fixed time intervals<\/h6><p>A payment to accept terms and conditions for subsequent irregular charges, or the subsequent payments.<\/p><\/p><\/a><a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models\/one-off-account-status\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><h6 class=\"next-steps__title\">One-off account status check<\/h6><p>Transactions to validate a shopper's account details.<\/p><\/p><\/a><\/div>\n\n<\/div>\n<h2>None of the above?<\/h2>\n<p>If the above options do not fit your business model, you might be processing transactions of the following types:<\/p>\n<div style=\"text-align: center;\">\n<div class=\"next-steps\" id=\"next-steps\" >\n<a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models\/out-of-scope-transactions\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><h6 class=\"next-steps__title\">MOTO<\/h6><p>Mail-order and telephone-order transactions where the shopper provides you with order and payment details by regular mail, fax, or telephone.<\/p><\/p><\/a><a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models\/out-of-scope-transactions\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><h6 class=\"next-steps__title\">POS<\/h6><p>Point-of-sale transactions where the shopper is physically present to make a payment using a secure payment terminal.<\/p><\/p><\/a><a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models\/subsequent-payments\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><h6 class=\"next-steps__title\">Authorization adjustment<\/h6><p>A transaction initiated by you to adjust an initial, pre-authorized amount, or to extend the validity of the authorization.<\/p><\/p><\/a><a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models\/out-of-scope-transactions\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><h6 class=\"next-steps__title\">Inter-regional transactions<\/h6><p>Payments where the card was issued outside of Europe or where the country\/region you are acquiring from is outside of Europe.<\/p><\/p><\/a><a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models\/out-of-scope-transactions\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><h6 class=\"next-steps__title\">Anonymous cards<\/h6><p>Payments made with a card that can only be identified by the issuing bank. For example, a prepaid card or a gift card.<\/p><\/p><\/a><\/div>\n\n<\/div>\n<p><a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/customers\" class=\"adl-button\">Previous question<\/a><\/p>\n<h2>See also<\/h2>\n<div class=\"see-also-links output-inline\" id=\"see-also\">\n<ul><li><a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/sca-exemptions\"\n                        target=\"_self\"\n                        >\n                    SCA exemptions\n                <\/a><\/li><li><a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models-overview\"\n                        target=\"_self\"\n                        >\n                    SCA requirements based on business models\n                <\/a><\/li><\/ul><\/div>\n","url":"https:\/\/docs.adyen.com\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models","articleFields":{"description":"Choose your business model to find out about the applicable PSD2 SCA guidelines."},"algolia":{"url":"https:\/\/docs.adyen.com\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models","title":"Business models","content":"This page helps you decide whether PSD2 SCA guidelines apply to your business model.\n\nIf your business model falls outside the scenarios on this page, contact our Support Team.\n\nSelect your business model\nIf you'd rather see an overview of all requirements at once, refer to SCA requirements based on business models.\n\n\nOnline purchase with shopper in-sessionOne-off online payments with a shopper choosing to store or not store their payment details, or paying with stored details.SubscriptionsA payment to sign up for a subscription, or subsequent subscription payments.Contracts with non-fixed time intervalsA payment to accept terms and conditions for subsequent irregular charges, or the subsequent payments.One-off account status checkTransactions to validate a shopper's account details.\n\n\nNone of the above?\nIf the above options do not fit your business model, you might be processing transactions of the following types:\n\n\nMOTOMail-order and telephone-order transactions where the shopper provides you with order and payment details by regular mail, fax, or telephone.POSPoint-of-sale transactions where the shopper is physically present to make a payment using a secure payment terminal.Authorization adjustmentA transaction initiated by you to adjust an initial, pre-authorized amount, or to extend the validity of the authorization.Inter-regional transactionsPayments where the card was issued outside of Europe or where the country\/region you are acquiring from is outside of Europe.Anonymous cardsPayments made with a card that can only be identified by the issuing bank. For example, a prepaid card or a gift card.\n\n\nPrevious question\nSee also\n\n\n                    SCA exemptions\n                \n                    SCA requirements based on business models\n                \n","type":"page","locale":"en","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Online payments","lvl2":"PSD2 SCA compliance guide","lvl3":"Business models"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/online-payments","lvl2":"https:\/\/docs.adyen.com\/online-payments\/psd2-sca-compliance-and-implementation-guide","lvl3":"\/online-payments\/psd2-sca-compliance-and-implementation-guide\/business-models"},"levels":4,"category":"Online Payments","category_color":"green","tags":["Business","models"]}}
