[robinjfisher]

I'll link up Stripe's docs for SCA[1] as they have been very helpful for me in getting Leavetrack[2] set up for SCA.

PSD2 is the Second Payment Services Directive from the EU. A directive is required to be implemented in national law no more than two years after it is passed and whilst there have been delays, the past 12 months have seen a ramping up of banks implementing Strong Customer Authentication.

3DS (3D Secure) is like 2FA for debit/credit cards. In my case, I bank with Monzo and if a transaction requires 3DS, I have to open the Monzo app on my phone and confirm it. There are other aspects to SCA e.g. if I have used contactless payment frequently, I am more likely to be prompted to enter my PIN to confirm I still have my card.

[1] https://stripe.com/gb/payments/strong-customer-authenticatio... [2] https://leavetrackapp.com/

[WesolyKubeczek]

Stripe has one of the best pieces of API documentation out there, and their sandbox actually simulates SCA to the fullest extent possible.

The only things missing from their testing arsenal are a debit card that triggers SCA past X amount, and a debit card that has limited funds.