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Strong Customer Authentication (SCA) using the Adyen connector

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This article describes Strong Customer Authentication (SCA) support built into the Adyen connector.

Key terms

Term Description
Redirect The action of moving an online shopper's browsing session out of the context of the merchant's storefront.
SCA Strong Customer Authentication. Part of the EU Payment Services Directive 2.0 (PSD2.0) that requires online shoppers to be authenticated outside of their online shopping experience when paying with an electronic payment method.
Issuing bank The financial institution that issues a payment instrument to a customer.

Overview

PSD2.0 requires that SCA is supported during online shopping checkout so a customer can be authenticated by the bank that issued their payment method. The authentication commonly occurs when a shopper is going through the checkout for an online order and after they have provided their payment details. Those details are evaluated, and based on criteria provided by PSD2.0, the customer may be redirected to their bank. After being redirected to their bank, the customer is required to provide some form of authentication to confirm that they are an authorized user for the payment instrument. If the user is confirmed to be the cardholder, they are then redirected back to the storefront where the payment was previously submitted, after which checkout is allowed to proceed. If SCA fails, the process will not be allowed to continue for the transaction.

Prerequisites for SCA support

Support for SCA is provided by the out-of-box Dynamics 365 Payment Connector for Adyen. The connector can be implemented by any third-party connector using the payments SDK.

Setup

Setup details will vary by payment connector. For setup details related to the out-of-box Adyen connector, see Configure additional information for the Adyen connector.

Functional experience

When a customer is redirected for SCA, they will be presented with a challenge by their bank, typically within a new browser window or iFrame. After they have been authenticated, they will be redirected back to the checkout session. If the validation fails, they will not be allowed to continue with checkout.

Additional resources