What is Additional Payment Confirmation?

Additional confirmation of your payment is required due to the Payment Services Directive (PSD2) and Strong Customer Authentication (SCA) that have been brought forth by the European Banking Authority.

This is a payment security regulation for European Union customers to help reduce fraud and make online payments more secure.

SCA applies to “customer-initiated” online payments. The authentication method is set by the bank.

Typically this is an extra step after the checkout where you are prompted by your bank to provide additional information to complete payment – for example a one-time code sent to your phone.