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OverviewAPI GuidesGetting StartedRecipesGig Economy PlatformsSharing Economy PlatformsMarketplacesBlockchain BusinessesEscrowSandboxRolesRulesDue DiligenceCustomersAccountsBank AccountsCardsTransactionsIntroductionInboundGetting money into the systemTransaction ReferenceAccount ReferenceInternalOutboundEscrowSplit PaymentsRefundsStrong Customer Authentication3D Secure AuthenticationIntroductionCreate a cardCreate a transactionDocument UploadStatementsWebhooksErrorsPQLAPI ReferenceAccountCreate an accountRetrieve an accountTransition account statusList all accountsAnnotate an accountDelete annotation from an accountTag an accountDelete tag from an accountBank AccountCreate a bank accountRetrieve a bank accountUpdate a bank accountTransition bank account statusList all bank accountsAnnotate a bank accountDelete annotation from a bank accountTag a bank accountDelete tag from a bank accountCardCreate a cardRetrieve a cardUpdate a cardTransition card statusList all cardsAnnotate a cardDelete annotation from a cardTag a cardDelete tag from a cardCardholderCreate a cardholderRetrieve a cardholderUpdate a cardholderTransition cardholder statusList all cardholdersAnnotate a cardholderDelete annotation from a cardholderTag a cardholderDelete tag from a cardholderCreate an authentication tokenCheckCreate a checkCustomerIndividual CustomerCreate a customerRetrieve a customerUpdate a customerSole TraderCreate a customerRetrieve a customerUpdate a customerOrganisationCreate a CustomerRetrieve a CustomerUpdate a CustomerIncorporated BusinessCreate a customerRetrieve a customerUpdate a customerBusiness PersonAdd a business personRetrieve a business personUpdate a business personDelete a business personRetrieve a customerTransition state of a customerList all customersAnnotate a customerDelete annotation from a customerTag a customerRemove tag from a customerCreate an authentication tokenTouch a customerDocumentCreate a documentRetrieve a documentList Document TypesReferenceRetrieve a referenceStatementRetrieve a statementStatusRetrieve API statusTransactionCreate inbound transactionCreate internal transactionCreate outbound transactionRetrieve a transactionTransition transaction statusList all transactionsAnnotate a transactionDelete annotation from a transactionTag a transactionDelete tag from a transaction
API version: a0406ac

Strong Customer Authentication

The EU Revised Directive on Payments Services (PSD2 - article 97) sets out new requirements for electronic payments and the protection of consumers' financial data. Starting from 14th September 2019, payment service providers will be required to make sure they have performed strong customer authentication (SCA) for any interaction with a payment account (e.g. getting balances, initiating transactions etc.)

Strong Customer Authentication refers to an authentication based on the use of at least two or more factors from the following categories:

  • Knowledge (something only the user KNOWS) e.g. PIN, Password
  • Possession (something only the user HAS) e.g. Device, Token
  • Inherence (something that the user IS) e.g. Fingerprint, Facial Recognition

The two factors used must be from different categories.

SCA with Paybase

When integrating with the Paybase API, you are in control of the authentication experience that you provide to your users and can choose the authentication flows and methods that fit best within your user flows. Some common solutions include:

You will then be required to create a customer token for the following API endpoints instead of using your main API token.