\n Support guide for PSD2 SCA compliance\n <\/a><\/li><\/ul><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/online-payments\/psd2-sca-compliance-and-implementation-guide\/sca-options","articleFields":{"description":"Learn how to implement required PSD2 SCA compliance for your transactions.","feedback_component":true,"filters_component":false,"last_edit_on":"07-04-2023 15:29"},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/online-payments\/psd2-sca-compliance-and-implementation-guide\/sca-options","title":"Implement SCA compliance","content":"Do your transactions need to be PSD2 SCA compliant? If yes, you need to implement 3D Secure.\nAfter you have implemented 3D Secure with Adyen, choose one of the compliance options on this page to comply with PSD2 SCA.\nRequirements\nBefore you begin, take into account the following requirements:\n\n\n\nRequirement\nDescription\n\n\n\n\nIntegration type\nAn online payments integration with 3D Secure.\n\n\n\nGuidelines for compliance\nPSD2 mandates strong customer authentication for online payments and online banking transactions. This means that before issuing banks authenticate a transaction, the shopper is required to provide two out of three factors:\n\nSomething only the shopper knows.\nSomething only the shopper possesses.\nSomething the shopper is.\n\nFor example, before an issuing bank authenticates and authorizes a payment, a shopper is required to supply an account password (something the shopper knows) and a one-time authentication code (something the shopper possesses).\nAlong with 3D Secure, you can ensure your transactions meet SCA requirements by using local payment methods and international wallets. Depending on your market and use case, using these may result in significantly higher conversion rates. See our payment method overview page for all payment method options.\nRegardless of the option you choose, note that the general rule for chargeback liability shift applies:\n\nIf you, Adyen on your behalf, or your acquirer requests an exemption and the request is accepted by the issuer, the liability stays with you.\nIf the exemption is applied by the issuer, the liability shifts to the issuer.\n\nSCA requirements for online payments\nOne-off payments\nSCA can be required for one-off payments depending on regulations and scheme rules.\n\n\n\nPayment request parameter\nInitial payment\nLater payment\n\n\n\n\nrecurringProcessingModel\nCardOnFile\nCardOnFile\n\n\nshopperInteraction\nEcommerce\nContAuth\n\n\n\nSubscriptions\nSCA is required for the initial payment of a subscription.\n\n\n\nPayment request parameter\nInitial payment\nLater payment\n\n\n\n\nrecurringProcessingModel\nSubscription\nSubscription\n\n\nshopperInteraction\nEcommerce\nContAuth\n\n\n\nAutomatic top-ups and other non-fixed schedule contracts\nSCA is required for the initial payment of automatic top-ups and other non-fixed schedule contracts.\n\n\n\nPayment request parameter\nInitial payment\nLater payment\n\n\n\n\nrecurringProcessingModel\nUnscheduledCardOnFile\nUnscheduledCardOnFile\n\n\nshopperInteraction\nEcommerce\nContAuth\n\n\n\n\nSCA is also required for subscriptions and non-fixed schedule contracts when the initial payment takes place at the point of sale. The physical card plus PIN authenticates the cardholder.\n\nCompliance options with Adyen\nAdyen offers the following methods for complying with PSD2 SCA:\n\nLet Adyen handle PSD2 compliance by default.\nConfigure rules using Dynamic 3D Secure.\nSubmit your preference for each transaction in your API request.\n\nOption 1: Default compliance\nWith this option, you let Adyen handle PSD2 compliance by default.\nOur Authentication Engine will handle PSD2 SCA compliance for you. We will not trigger 3D Secure for out-of-scope transactions or if the issuing bank does not enforce 3D Secure. Our Authentication Engine will also handle requesting an exemption whenever applicable.\nOption 2: Dynamic 3DS\nWith this option you use Dynamic 3D Secure to define additional conditions for transactions that you want to apply 3D Secure authentication on. For example, you can set conditions to use 3D Secure for transactions that you deem as high risk.\n\n\n\nScenarios\nAction from Adyen\n\n\n\n\nTransaction meets condition with a Use 3DS: Always rule\nWe will request the issuer to perform 3D Secure 1 or 2 depending on the version supported by the issuer.\n\n\nTransaction meets condition with a Use 3DS: Prefer no rule\nWe will not request 3D Secure authentication unless the issuing bank requires it to complete the authorization.\n\n\nTransaction does not meet any of your configured rules\nOur Authentication Engine will automatically trigger 3D Secure (1 or 2) if a transaction is in scope of PSD2 and SCA is mandated. We expect issuers to soft decline unauthenticated transactions more as the transition period continues in 2020 and 2021. If an exemption is applicable for a transaction, we will manage the exemption request. For more information on how different countries\/regions and issuers plan to handle PSD2 SCA compliance, refer to our Support guide.\n\n\n\nSee Dynamic 3D Secure to learn how you can configure rules.\nOption 3: Specify your preference in the API request\nWith this option, you specify your preference in the API request.\n\nThis option overrides our default PSD2 compliance handling logic, including checking if the transaction is out of scope, determining the most suitable exemption type, and evaluating whether to send the exemption in the authentication or authorization request. We recommend you use the API fields only if you have an extensive knowledge of PSD2 SCA regulations and the 3D Secure protocol.\n\nWe support the following scenarios using the API request:\n\n\n \n \n \n \n\n\nSee also\n\n\n SCA exemptions\n \n 3D Secure implementation options\n \n 3D Secure 2 native integration\n \n Dynamic 3D Secure\n \n Support guide for PSD2 SCA compliance\n \n","type":"page","locale":"pt","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Online payments","lvl2":"PSD2 SCA compliance guide","lvl3":"Implement SCA compliance"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/online-payments","lvl2":"https:\/\/docs.adyen.com\/pt\/online-payments\/psd2-sca-compliance-and-implementation-guide","lvl3":"\/pt\/online-payments\/psd2-sca-compliance-and-implementation-guide\/sca-options"},"levels":4,"category":"Online Payments","category_color":"green","tags":["Implement","compliance"]},"articleFiles":{"payments-request-example-for-3d-secure-authentication-3512220002.js":"payments-request-example-for-3d-secure-authentication-3512220002.js<\/p>","payments-request-example-to-perform-3d-secure-authentication-1825379503.js":"
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