Tick, tock, tick, tock – that’s the sound of time counting down to the implementation date of Strong Customer Authentication (SCA)1 in the UK on 14 March 2022.

With phase 3 of UK Finance’s ramp-up to compliance with SCA imminent, the time to act is now. As of 18 January 2022, the sprint phase of the ramp-up will commence.

Milestone Dates

If you are yet to implement 3DS2 the below dates highlight the volume of transactions that will be subject to soft declines at key dates over the next two months.

Date Dec 2021 18 Jan ’22 1 Feb ’22 15 Feb ’22 1 Mar ’22 14 Mar ’22
Soft decline volume 3% 10% 30% 50% 75% 100%
Source: UK Finance Revised SCA Ramp Up Plan, November 2021 available at UK Finance Revised SCA Ramp Up plan

We recently wrote about why you should implant 3DS2 today and gave three key reasons merchants should act now. The acceleration in potentially affected transactions provides a fourth compelling catalyst; failure to act will see an increase in customer dissatisfaction the potential loss of revenue and reputational damage.

How Do I Implement 3DS2?

In many cases implementing 3DS2 is a relatively straightforward process that may help protect your revenue, maintain customer satisfaction and aid in fraud prevention.

At TNS we have been helping our customers enable 3DS2 for their eCommerce websites. If you need help implementing an SCA compliant solution before the March 2022 deadline, contact our team today.

1What is Strong Customer Authentication?

SCA is a new requirement for additional layers of security in electronic payments. Merchants now need to ask consumers to provide additional information to prove their identity when making an electronic payment which includes: