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Understanding Strong Customer Authentication (SCA) with PayByPhone
In today's digital world, securing online transactions is more critical than ever. PayByPhone prioritizes the safety of your payments by implementing Strong Customer Authentication (SCA). This additional verification step ensures that you are the rightful cardholder when making a parking payment. Strong authentication is based on a multi-factor approach,
What is Strong Customer Authentication (SCA)?
SCA is a security measure that adds an extra layer of protection to electronic payments. Instead of relying solely on a password or card details, it requires multiple forms of authentication to confirm the user’s identity.
Going Beyond Passwords
While passwords are commonly used, they alone are not considered sufficient for strong authentication. That’s why additional verification methods, such as biometric scans, one-time passcodes, or security tokens, are essential to enhance security and protect against fraud.How SCA Works When Paying for Parking
When you pay for parking through PayByPhone, you may encounter an extra verification step, depending on your bank’s security settings. These additional steps can include:
👉 Entering the CVV (Card Verification Value) – You may be asked to input the three-digit security code found on the back of your bank card.
👉 Redirection to Your Banking App – You might be directed to your online banking app to validate the transaction.
👉 Receiving a One-Time Code – Your bank may send you a code via SMS, which you must enter into your banking app or on a verification page.
Who Manages the Authentication Process?
While PayByPhone ensures your transactions are secured with Strong Customer Authentication, the verification process itself is handled by your bank. This means that if you experience any issues or have questions about the authentication steps, you should contact your bank directly for assistance.
By embracing strong authentication measures, we enhance the security of your payments, reducing fraud risks and ensuring a safer digital experience. If you have any concerns about SCA, reach out to your financial institution for more details on how these security measures apply to your transactions.