Strong Customer Authentication (SCA) for destination charges created by non-European Economic Area (EEA) platform for EEA-based connected account and EEA-based customer

If your platform uses destination charges and is is not in the European Economic Area (EEA), but your connected account and their end customer are in the EEA, the charge may be subject to Strong Customer Authentication. This depends on the Merchant Of Record and if the on_behalf_of header is used. If this header is not used, then the transaction is considered one-leg and is outside the scope of SCA.

Example

Platform location

Connected account location

Cardholder location

Charge type

Merchant of record

SCA required

Non-EEA

EEA

EEA

Direct

Connected account

Y

Non-EEA

EEA

EEA

Destination

Platform

N

Non-EEA

EEA

EEA

on_behalf_of

Connected account

Y

Non-EEA

EEA

EEA

Separate charges and transfers

Platform

N

Additional Information