Strong Customer Authentication (SCA) Exceptions and Exemptions
Strong Customer Authentication (SCA) is a fundamental requirement introduced by PSD2 to increase the security of digital payments. However, there are certain cases in which SCA may be waived (exceptions) or not required (exemptions), simplifying the payment process for both users and merchants.
Non-Payment Authentication (NPA)
Non-Payment Authentication (NPA) is a 3D Secure 2 authentication flow (3DS2) that allows merchants to verify the cardholder and save the data without charging the card.