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Implement Strong Customer Authentication (SCA)

Learn how to manage Strong Customer Authentication (SCA) for business account users.

Before your user can transfer funds in the European Economic Area (EEA) using Adyen's business accounts, your platform must comply with the Payment Services Directive 2 (PSD2). This directive regulates secure payments and account access to reduce fraud.

PSD2 requires you to use Strong Customer Authentication (SCA). This means that, during authentication, the user is required to provide two out of three factors:

  • Knowledge: something that only the user knows, such as a password.
  • Possession: something that only the user possesses, such as a personal mobile device.
  • Inherence: something that is unique to the user, such as biological and behavioral biometrics.

To help you comply with PSD2, we provide a client-side Authentication SDK that combines the possession factor with either the knowledge or the inherence factor. The SDK helps you configure a two-factor authentication feature that requires a secondary verification method through a separate communication channel, such as a mobile phone.

How to use the Authentication SDK

To use Adyen's Authentication SDK:

  1. Install the Authentication SDK and add it to your iOS and Android project.
  2. Use the Authentication SDK to register your user's Android or iOS mobile device for SCA.
  3. Use the Authentication SDK to authenticate your users each time they want to:

Next steps

Install Adyen's Authentication SDK to implement SCA in your application.