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Strong customer authentication

Rules requiring many online payments to be confirmed with two separate checks, such as a password plus a phone code or fingerprint. 3-D Secure is the main way card payments meet them. Often shortened to SCA.

A plain-English explanation, not financial or tax advice. Rules and rates change, so check your own situation. For free, impartial guidance, try MoneyHelper. Disclaimer.

You'll hear it as

SCA added a step to checkout, and conversion dropped a little.

Also called SCA.

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