---
title: "Business models"
description: "Choose your business model to find out about the applicable PSD2 SCA guidelines."
url: "https://docs.adyen.com/online-payments/psd2-sca-compliance-and-implementation-guide/business-models"
source_url: "https://docs.adyen.com/online-payments/psd2-sca-compliance-and-implementation-guide/business-models.md"
canonical: "https://docs.adyen.com/online-payments/psd2-sca-compliance-and-implementation-guide/business-models"
last_modified: "2026-05-26T13:48:54+02:00"
language: "en"
---

# Business models

Choose your business model to find out about the applicable PSD2 SCA guidelines.

[View source](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models.md)

This page helps you decide whether PSD2 SCA guidelines apply to your business model.

If your business model falls outside the scenarios on this page, contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other).

## Select your business model

If you'd rather see an overview of all requirements at once, refer to [SCA requirements based on business models](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models-overview).

###### [Online purchase with shopper in-session](/online-payments/psd2-sca-compliance-and-implementation-guide/sca-options)

[One-off online payments with a shopper choosing to store or not store their payment details, or paying with stored details.](/online-payments/psd2-sca-compliance-and-implementation-guide/sca-options)

###### [Subscriptions](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/subscriptions)

[A payment to sign up for a subscription, or subsequent subscription payments.](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/subscriptions)

###### [Contracts with non-fixed time intervals](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/subscriptions)

[A payment to accept terms and conditions for subsequent irregular charges, or the subsequent payments.](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/subscriptions)

###### [One-off account status check](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/one-off-account-status)

[Transactions to validate a shopper's account details.](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/one-off-account-status)

## None of the above?

If the above options do not fit your business model, you might be processing transactions of the following types:

###### [MOTO](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/out-of-scope-transactions)

[Mail-order and telephone-order transactions where the shopper provides you with order and payment details by regular mail, fax, or telephone.](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/out-of-scope-transactions)

###### [POS](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/out-of-scope-transactions)

[Point-of-sale transactions where the shopper is physically present to make a payment using a secure payment terminal.](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/out-of-scope-transactions)

###### [Authorization adjustment](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/subsequent-payments)

[A transaction initiated by you to adjust an initial, pre-authorized amount, or to extend the validity of the authorization.](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/subsequent-payments)

###### [Inter-regional transactions](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/out-of-scope-transactions)

[Payments where the card was issued outside of Europe or where the country/region you are acquiring from is outside of Europe.](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/out-of-scope-transactions)

###### [Anonymous cards](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/out-of-scope-transactions)

[Payments made with a card that can only be identified by the issuing bank. For example, a prepaid card or a gift card.](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/out-of-scope-transactions)

[Previous question](/online-payments/psd2-sca-compliance-and-implementation-guide/customers)

## See also

* [SCA exemptions](/online-payments/psd2-sca-compliance-and-implementation-guide/sca-exemptions)
* [SCA requirements based on business models](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models-overview)