In Focus: Ongoing SCA Changes Around Europe

10th September 2019
Contributor:
Robbie MacDiarmid
Robbie MacDiarmid

The goalpost for Strong Customer Authentication (SCA) seems to be moving constantly, with different countries taking different approaches to the mandate. Deadlines have been extended, and many merchants remain uncertain about when and how implementation will affect them. We’ve compiled a list of updates from countries across Europe to keep you updated with the latest news and developments.

SCA Deadline By Country

 

Hungary

13/09/2019        Three-year migration period with different targets until the final deadline 14/09/2020

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Merchants must be aware of testing requirements and proposed milestones for compliance

France

09/07/2019        Three-year migration period with different targets until the final deadline 01/06/2022

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Merchants must be aware of testing requirements and proposed milestones for compliance

 

United Kingdom

13/08/2019        Migration period with different targets until the final deadline 14/03/2021

What does this mean for merchants?

  • SCA will not be required for transactions after the original deadline
  • Merchants must remain engaged with issuers and regulators with respect to contactless payments and other elements of SCA
  • Merchants must prepare for the possibility of being included in SCA testing from February 2020

 

Denmark

05/09/2019        Migration period with different targets until the final deadline 14/03/2021

What does this mean for merchants?

  • SCA will not be required for transactions after the original deadline
  • Merchants must remain engaged with issuers and regulators with respect to contactless payments and other elements of SCA
  • Merchants must prepare for the possibility of being included in SCA testing from March 2021

 


 

Slovakia

14/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, no deadline agreed yet

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Flexibility at a national level even if EBA does not announce their own approach
  • Length of transition period is yet to be announced

 

Norway

20/08/2019        Extension to PSPs who notify the authority, no deadline agreed yet

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Merchants need to engage with issuers and regulators to remain up-to-date on specific plans

 

Belgium

27/08/2019        Extension to deadline agreed with the Belgian banks but no timeline agreed yet

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • Uncertainty around deadline makes it difficult for merchants to prepare

 

Sweden

04/09/2019        Individual companies must ask for a delay if not ready by original timeline

What does this mean for merchants?

  • SCA may be required for most transactions
  • Merchants must engage with issuers and regulators to remain up-to-date on specific plans

 


Latvia

13/09/2019  Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Italy

13/09/2019  Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months
  • Merchants must contact issuers and acquirers to confirm that they have submitted a migration plan

 

Croatia

13/09/2019     Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Spain

11/09/2019     Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Romania

21/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Ireland

08/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Netherlands

08/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Czechia

14/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Estonia

14/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Malta

14/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Slovenia

15/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Austria

19/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Poland

19/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months
  • Merchants must engage with issuers and regulators to remain up-to-date

 

Germany

21/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Greece

26/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months
  • Check that issuers and acquirers have submitted a migration plan

 

Portugal

29/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Luxembourg

30/08/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months
  • Merchants must engage with issuers and regulators to remain up-to-date

Cyprus

02/09/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 

Finland

05/09/2019        Extension to deadline for implementing SCA for e-commerce card payments, will follow EBA timeline

What does this mean for merchants?

  • SCA unlikely to be required for most transactions
  • Individual multinational banks may still decline transactions and request SCA
  • EBA deadline extension may be less than 18 months

 


Bulgaria

No delay, enforcing deadline on 14th September 2019.            

What does this mean for merchants?

  • SCA may be required for all transactions from 14th September 2019
  • Merchants must have implemented 3D-Secure version 1.0 at a minimum or version 2.1

 

Lithuania

No delay, enforcing deadline on 14th September 2019.      

What does this mean for merchants?

  • SCA may be required for all transactions from 14th September 2019
  • Merchants must have implemented 3D-Secure version 1.0 at a minimum or version 2.1

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