PSD2 Realitäts-Check
der aktuellen Zahlungsdiensterichtlinie PSD2 die starke Kundenauthentifizierung (SCA – Strong Customer Authentication) vorschreiben: Für. Die SCA (Strong-Customer-Authentication) oder starke Kundenauthentifizierung soll für mehr Sicherheit und Transparenz im finanziellen Bereich. Strong Customer Authentication (SCA). Am hat die BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) die Duldungsperiode für die.Strong Customer Authentication Strong Customer Authentication Video
Strong Customer Authentication - 11:FS Explores


Another question that needs to be addressed is which kind of cryptographic algorithm to use. As we will show in part 3 of this series, the use of public-key cryptography offers many benefits over legacy choices such as a One Time Password OTP.
Knowledge elements need be entered directly not cached by the app or phone by the user. Single use credentials printed on token cards are not considered a knowledge element, even though these are also entered by the user.
A smartphone has quite limited input capabilities, ruling out complex passwords as these are too error prone to enter. PIN codes or equivalent low-entropy inputs appear to be the only sensible knowledge elements on smartphones.
The RTS also specifies that a user should be temporarily blocked after a number of consecutive failed authentication events.
This can be achieved either by secure hardware at the mobile device or by having a server-assisted verification. In the latter, the server will block the user.
Since mobile devices do not have secure hardware that can be blocked for app-specific knowledge elements, server-assisted verification will always be required.
Inherence elements on a mobile device: use the biometrics sensors provided by the mobile device.
These biometrics sensors fingerprint or faceID are generally backed by secure hardware, which is capable of generating strong cryptographic signatures.
The regulatory technical standards RTS on strong customer authentication and secure communication, on which the EBA has issued the DP today, is key to achieving the objective of the PSD2 of enhancing consumer protection, promoting innovation and improving the security of payment services across the European Union.
The RTS, which the EBA will be developing in close cooperation with the European Central Bank ECB , will specify the requirements of the strong customer authentication; exemptions from the application of these requirements; requirements to protect the user's security credentials; requirements for common and secure open standards of communication; and security measures between the various types of providers in the payments sector.
In so doing, the EBA and ECB will have to make difficult trade-offs between competing demands and would like to hear views from market participants on where the ideal balance should lie.
The EBA and ECB have also identified various issues and suggest some clarifications that would similarly benefit from stakeholder feedback. Responses to this Discussion Paper can be sent to the EBA until 8 February , by clicking on the "send your comments" button on the website.
The EBA will assess the responses received, and use them as input for the development of the draft RTS, which it will publish in summer , for a consultation period of three months.
It would then enter into force in January , and would apply from January The Opinion sets the deadline to 31 December and prescribes the expected actions to be taken during the migration period.
Today's Opinion also recommends national competent authorities NCAs to take a consistent approach toward the SCA migration period across the EU and to require their respective payment service providers PSPs to carry out the actions set out in the Opinion.
Rather, it means that NCAs will focus on monitoring migration plans instead of pursuing immediate enforcement actions against PSPs that are not compliant with the SCA requirements.
Furthermore, the EBA notes that consumers will be protected against fraud as required by the law and NCAs should, therefore, communicate to their PSPs that the liability regime under Article 74 of the PSD2 applies and that issuing and acquiring PSPs are still liable for unauthorised payment transactions.
At the time, the EBA acknowledged the complexity of the payments markets across the EU and the challenges that arise from the changes that are required, in particular for some actors in the payment chain that are not PSPs who may not be ready by 14 September Against this backdrop, the EBA accepted that, on an exceptional basis and in order to avoid unintended negative consequences for some payment service users after 14 September , NCAs may decide to work with PSPs and relevant stakeholders, including consumers and merchants, to provide limited additional time.
The EBA issued the Opinion in accordance with Article 29 1 a of its Founding Regulation, which mandates the Authority to play an active role in building a common Union supervisory culture and consistent supervisory practices, as well as in ensuring uniform procedures and consistent approaches throughout the Union.
The Opinion is a response to continued queries from market actors as to which authentication approaches the EBA considers to be compliant with SCA.
However, there are other SCA compliant solutions available in the market, such as those provided by Payment Initiation Services e. It is important to remember that some documents previously published on this site will still refer to the end of the managed rollout as March , please note this is now 14 September If you are a Payment Service Provider PSP , vendor or a merchant and would like to get involved in the programme, or to receive more information, please click the button below.
These webinars are free to watch and we encourage all stakeholders active in e-commerce to view. Payment providers like Stripe are able to request these exemptions when processing the payment.
Building authentication into your checkout flow introduces an extra step that can add friction and increase customer drop-off.
Using exemptions for low-risk payments can reduce the number of times you will need to authenticate a customer and reduce friction.
We have designed our new SCA-ready payments products to let you take advantage of exemptions when possible to help protect your conversion.
A payment provider like Stripe is allowed to do a real-time risk analysis to determine whether to apply SCA to a transaction. This is another exemption that can be used for payments of a low amount.
This exemption can apply when the customer makes a series of recurring payments for the same amount, to the same business. European Banking Authority.
Financial Conduct Authority. November July 15, The Register.

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