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What is Strong Customer Authentication (SCA)?
Last updated 18 June 2026.
Guide
Strong Customer Authentication (SCA) is a security measure for European online payments that requires you to confirm your identity through your bank before a purchase is finalised. This helps protect your account from fraud by ensuring you are the one making the transaction.

Strong Customer Authentication (SCA) is a security requirement for online payments within Europe. It's designed to keep your financial information safe and reduce fraud. When you check out, your bank may ask you to confirm your identity using two different forms of identification.

How to complete your payment

The specific way you confirm your payment depends on your bank's security settings. You may need to check your mobile device or banking app to finish the process.

1

Complete the checkout process

Enter your payment details on the checkout page as usual. A prompt from your bank will appear on the screen showing the payment amount and requesting authentication. 

2

Confirm your identity

Follow the instructions provided by your bank, which might include entering a one-time passcode sent via text or confirming the transaction within your mobile banking app.

3

Return to the confirmation page

Once authorised, stay on the page until we confirm that the order has been placed. 

If you have questions about specific authentication methods like fingerprints or mobile codes, please contact your bank or check their website as the specific information will vary depending on your bank.

If you're unsure if the order was placed, check your order history, if the order does not appear here, it has not been successfully placed. 


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