The Revised Payment Services Directive (PSD2) is a European regulation that creates a more open, competitive, and secure payments landscape across Europe. Strong Customer Authentication requirements are part of PSD2. SCA is a combination of three elements to authenticate a payment, something you know, own, and are, created to make online payments more secure. For example: a password, your phone, your fingerprint. When an European shopper makes a payment, extra levels of authentication may be required at the time of the transaction. Nowadays with PSD2 regulations, more information will be required to authenticate online transactions.