Strong Customer Authentication

Purpose of SCA

As remote electronic payment transactions are subject to a higher risk of fraud, Strong Customer Authentication (SCA) needs to be applied. It is a mandatory and crucial rule for European payment institutions, which aims to reduce the likelihood of fraudulent activity taking place and enhance the protection of user information.

SCA Implementation Process

At PingPong, we perform SCA through a two-factor authentication method (2FA) using ‘knowledge’ (something only the user knows, such as a password ) and ‘possession’ (something only the user possesses such as a one-time code generated by a security token or access through a trusted device, such as a SMS).

The SCA process is implemented as below:

1. Input your account information
   When initiating a payment or accessing account information, customers need to input their login username and password on the screen PingPong displayed.
2. Two-factor authentication
   Customers need to input the verification code or one-time 6-digit confirmation code received via SMS to perform the SCA 2FA process.
3. Confirm access
   Upon successfully entering the passcode, customers will be authenticated, and the action processed.

You can find a detailed description of the SCA integration in the API documentation.