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Is MondoPal compliant with the Strong Customer Authentication requirement?

Yes, we comply with the Strong Customer Authentication requirement as we are powered by Stripe and PayPal.

What is Strong Customer Authentication?

Strong Customer Authentication (SCA) is a new European regulatory requirement to reduce fraud and make online payments more secure. On 14 September 2019, new requirements for authenticating online payments were introduced in Europe as part of the second Payment Services Directive (PSD2).

To accept payments and meet SCA requirements, we require, via Stripe, an authentication that use at least two of the following three elements.

Something the customer knows (e.g., password or PIN);

Something the customer has (e.g., phone or hardware token);

Something the customer is (e.g., fingerprint or face recognition).

When is Strong Customer Authentication required?

Strong Customer Authentication applies to “customer-initiated” online payments within Europe. As a result, most card payments and all bank transfers require SCA. For online card payments, these requirements apply to transactions where both the business and the cardholder’s bank are located in the European Economic Area (EEA).

How do we authenticate a payment?

Currently, as we use Stripe and PayPal, the way we are authenticating an online card payment relies on 3D Secure — an authentication standard supported by the vast majority of European cards. Applying 3D Secure typically adds an extra step after the checkout where the cardholder is prompted by their bank to provide additional information to complete a payment (e.g., a one-time code sent to their phone or fingerprint authentication through their mobile banking app).

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