What are the consequences of not being PSD2 SCA compliant?

The PSD2 mandate is for banks, not for merchants. This means that issuing banks that approve non-compliant transactions are violating the law in their home country.

As issuing banks implement protocols to comply with PSD2 SCA regulations, you as a merchant should ensure that your transactions are compliant to avoid the risk of issuing banks refusing your transactions, leading to lower authorisation rates.

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