# Strong Customer Authentication (SCA): A Practical Guide for SaaS

DevFeed: [Strong Customer Authentication (SCA): A Practical Guide for SaaS](<https://devfeed.tech/articles/strong-customer-authentication-sca-a-practical-guide-for-saas-10400.md>)

Original publisher: [Read original article](<https://dodopayments.com/blogs/strong-customer-authentication/>)

Author: Ayush Agarwal

Published: 2026-07-22T00:00:00Z

Content type: tutorial

Language: en

Sources: [Dodo Payments Blog](<https://devfeed.tech/sources/dodo-payments-blog.md>)

Topics: [Authentication](<https://devfeed.tech/topics/authentication.md>), [MFA](<https://devfeed.tech/topics/mfa.md>), [Software as a service](<https://devfeed.tech/topics/saas.md>), [passwords](<https://devfeed.tech/topics/passwords.md>)

Tags: [authentication](<https://devfeed.tech/tags/authentication.md>), [compliance](<https://devfeed.tech/tags/compliance.md>), [conversion](<https://devfeed.tech/tags/conversion.md>), [europe](<https://devfeed.tech/tags/europe.md>), [fraud](<https://devfeed.tech/tags/fraud.md>), [guide](<https://devfeed.tech/tags/guide.md>), [how-to](<https://devfeed.tech/tags/how-to.md>), [passwords](<https://devfeed.tech/tags/passwords.md>), [payments](<https://devfeed.tech/tags/payments.md>), [saas](<https://devfeed.tech/tags/saas.md>), [security](<https://devfeed.tech/tags/security.md>), [united-kingdom](<https://devfeed.tech/tags/united-kingdom.md>)

## AI overview

A practical guide to Strong Customer Authentication (SCA), explaining PSD2 requirements, two-factor verification, common authentication factors, 3D Secure, exemptions, and the effect of implementation on checkout conversion and fraud liability.

## Source excerpt

Strong Customer Authentication (SCA) is the PSD2 rule requiring two-factor verification on many payments. Learn how SCA works, its exemptions, and how to stay compliant without killing conversion.