Strong Customer Authentication (SCA), as mandated by the EU’s Revised Payment Services Directive (PSD2), requires payment service providers to authenticate digital payments.

SCA, also known as 3D Secure, is a multi-factor authentication that adds an extra layer of security to digital payments to reduce fraud. It asks you to authenticate your payment using PIN, password, or biometrics.

At Western Union, to meet the SCA requirements, we use multi-factor authentication to secure your online transfers.