Last updated: 25 June 2020
Strong Customer Authentication (SCA) requirements officially went into effect on 14 September 2019.
Gradual enforcement of SCA requirements has already begun, as some banks have started to decline a portion of payments that aren’t SCA-ready. Full enforcement has not yet begun due to a temporary delay announced by the European Banking Authority on 21 June 2019. On 16 October 2019, the European Banking Authority announced that the new SCA requirements should be fully enforced by 31 December 2020.
As of 25 June 2020, the majority of European regulators have agreed to this new timeline, with two exceptions:
UK - The UK regulator previously announced an 18-month delay—requiring additional authentication for online payments beginning March 2021. Due to the Covid crisis the UK regulator has extended the delay by an additional 6 months, bringing the revised enforcement date to 14 September 2021.
France - France has aligned with the European Banking Authority timeline, but maintains an extra 3-month grace period on a case-by-case basis.
Although the full enforcement deadline for SCA is 31 December, 2020, some banks have already begun to enforce SCA by declining a portion of payments that are not SCA-ready (see table below). Please note that SCA plans are subject to change — follow this page for updates.
|Enforcement start date||Affected merchant countries||Payments that require Strong Customer Authentication*|
|28 April, 2020||All of EEA + United Kingdom||Payments >€500 for French American Express cardholders|
|24 August, 2020||All of EEA + United Kingdom||Payments > €1500 for Belgian cardholders|
|21 September, 2020||All of EEA + United Kingdom||Payments > €250 for Belgian cardholders|
|19 October, 2020||All of EEA + United Kingdom||Payments > €30 for Belgian cardholders|
|17 November, 2020||All of EEA + United Kingdom||All SCA-eligible transactions for Belgian cardholders|
*Where possible, Stripe will request SCA exemptions.
Given the uncertainty around the enforcement timeline and ramp, we recommend preparing your payment flows to be SCA ready as soon as possible. This will help prevent an increase in declines as enforcement of these requirements ramps across European banks.
Our new payments APIs and other SCA-ready solutions are designed to take this uncertainty into account. If you are using our SCA-ready solutions, we will only apply authentication and exemptions when they are required by the cardholder's bank—adjusting to each country’s enforcement timeline to minimise friction.
We are closely tracking any change in banks’ behaviour as well as the ongoing regulatory discussions, and we will continue to update this page with the latest information.