PSD2 and SCA Guide
This guide provides information on the processing of transactions under the Second Payment Services Directive (PSD2) Strong Customer Authentication (SCA) regulations.
Current Version
Click the links below to view the current version, available in both Online (HTML) and PDF format.
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Online (HTML) |
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Added references to Thredd Portal, our new web application for managing your cards and transactions. Updated the company address. |
1.5 |
Older Versions
Older versions are available in PDF format only.
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Updates to content and graphics to align with taxonomy updates on our Documentation Portal. Added a note to clarify that Merchant Category Code (MCC) exemptions from SCA only apply to transactions where the cardholder is present. See the FAQs. Updated Operations email address to be occ@thredd.com Guide rebrand to new company name and brand identity. Updated Smart Client screen shots in Identifying the SCA Status and PSD2 Product Settings. |
1.4 |
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Updated Copyright Statement. |
1.3 |
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Updates to PSD2 flow diagrams and new section on SCA Checks added. Added details of new optional SCA checks and exemptions: •For recurring transactions, only apply the exemption if the original transaction was SCA; see Check for PSD2 Exemptions • For e-commerce 3D Secure transactions, only consider the transaction as SCA if the cardholder is challenged; see PSD2 Transaction Checks • Apply SCA exemption to transactions from hotel and car rental merchants; see Which Merchant Category Codes are Exempt from SCA? |
1.2 |
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Details added of how to reset transaction and amount counters using Web Services. See Reset Counters. |
1.1 |
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First version. |
1.0 |