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Minimal Compliance for PSD2 SCA Will Cost Payment Service Providers More

Executive Brief

Minimal Compliance for PSD2 SCA Will Cost Payment Service Providers More

PSPs will gain by taking a strategic view of PSD2 SCA rather than by merely complying

Executive Brief

With any piece of legislation, an organization has to work out how far to go beyond simple compliance with the letter of the law. Payment Services Directive 2 (PSD2) and its associated Regulatory Technical Standards (RTS) is no different. This article looks at compliance with the Strong Customer Authentication (SCA) requirements of PSD2 from the perspective of a payment service provider (PSP) and asks the question: Is it worth going beyond the bare minimum?