Strong Customer Authentication
Strong Customer Authentication (SCA) is a new requirement of the second Payment Services Directive (PSD2), which aims to add extra layers of security to electronic payments. From 14 March 2022, SCA applies to all online transactions in the European Economic Area (EEA) and the United Kingdom. It requires banks to perform additional checks when a consumer makes payments in order to confirm their identity. Banks may therefore ask for a combination of two forms of identification when processing a payment or adding a new payment method. You may have already experienced this when making other purchases online.
Why is it being introduced?
SCA is being introduced as part of the Payment Services Directive (PSD2) with the aim of strengthening payment security and reducing fraud. PSD2 follows the original Payment Services Directive (PSD), which was adopted by the EU in 2007. This legislation established an EU single market for payments to encourage the creation of safer, more innovative payment services.
How will this change affect me when using PayByPhone?
As required by the legislation, from 14th March, you may see changes when paying for parking using PayByPhone. As part of the SCA process, some parking transactions will be chosen to prove the user’s identity during the payment process. These challenges are made at random and each bank will present these differently. The challenge will direct you to a secure page provided by your bank. This page will allow you to provide a second method of verification. If your verification is accepted, your transaction will proceed as normal and you will be returned to the PayByPhone app. However, should you not be able to verify your identity successfully, your bank will decline the transaction. If you are unsure about this process or have any further questions about your second form of verification, please contact your bank who will be able to explain their processes more thoroughly.
Please note: strong authentication is now automatically required when adding a new payment card to your PayByPhone account and once your card is verified you will no longer be asked for your CVV when making a payment for a parking session.