---
title: "Customer location"
description: "Answer the questions to see if your transactions fall under PSD2 SCA compliance guidelines."
url: "https://docs.adyen.com/online-payments/psd2-sca-compliance-and-implementation-guide/customers"
source_url: "https://docs.adyen.com/online-payments/psd2-sca-compliance-and-implementation-guide/customers.md"
canonical: "https://docs.adyen.com/online-payments/psd2-sca-compliance-and-implementation-guide/customers"
last_modified: "2020-11-20T12:39:00+01:00"
language: "en"
---

# Customer location

Answer the questions to see if your transactions fall under PSD2 SCA compliance guidelines.

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

This page helps you decide whether transactions for your business are in-scope for PSD2 SCA compliance.

## Where are my customers located?

Your payments fall within PSD2 SCA scope if *both* your acquiring processing entity and your customer's issuer processing entity are in the European Economic Area (EEA), Monaco, Switzerland, or the UK.

**

#### SCA countries and regions

* Austria
* Belgium
* Bulgaria
* Croatia
* Republic of Cyprus
* Czech Republic
* Denmark
* Estonia
* Finland
* France
* Germany
* Greece
* Hungary
* Iceland
* Ireland
* Italy
* Latvia
* Liechtenstein
* Lithuania
* Luxembourg
* Malta
* Monaco
* Netherlands
* Norway
* Poland
* Portugal
* Romania
* Slovakia
* Slovenia
* Spain
* Sweden
* United Kingdom

If you answered yes, to ["Is my business located in one of the in-scope countries/regions for SCA compliance?"](/online-payments/psd2-sca-compliance-and-implementation-guide#is-my-business-located-in-one-of-the-above-countries), answer the following question:

### Are my customers in one of the in-scope countries/regions for SCA compliance?

[![A checkmark](/user/pages/docs/02.online-payments/51.psd2-sca-compliance-and-implementation-guide/customers/checkmark.svg?decoding=auto\&fetchpriority=auto)](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models)

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

[My business has customers in the EEA, Monaco, or the UK.](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models)

[![An X](/user/pages/docs/02.online-payments/51.psd2-sca-compliance-and-implementation-guide/customers/close.svg?decoding=auto\&fetchpriority=auto)](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/out-of-scope-transactions)

###### [No](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/out-of-scope-transactions)

[My business does not have customers in the EEA, Monaco, or the UK.](/online-payments/psd2-sca-compliance-and-implementation-guide/business-models/out-of-scope-transactions)

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