{"id":19836,"date":"2019-09-18T18:16:21","date_gmt":"2019-09-18T18:16:21","guid":{"rendered":"https:\/\/www.cloudbeds.com\/?p=19836"},"modified":"2025-11-02T03:11:24","modified_gmt":"2025-11-02T11:11:24","slug":"sca-a-cloudbeds-resolve-isso-para-voce","status":"publish","type":"post","link":"https:\/\/www.cloudbeds.com\/pt-br\/artigos\/sca-a-cloudbeds-resolve-isso-para-voce\/","title":{"rendered":"Como as propriedades devem cumprir a SCA"},"content":{"rendered":"\n

Ensuring security and compliance is crucial when running payments at your property. Without proper security measures, digital payments can leave your business and guests vulnerable to fraud<\/a>.<\/p>\n\n\n

That\u2019s where Strong Customer Authentication (SCA) comes into play. Introduced in 2019, SCA adds an extra layer of security to electronic payments within the European Economic Area (EEA), which includes the United Kingdom.<\/p>\n

Here, we discuss the importance of Strong Customer Authentication, the impact it has on your lodging business, and how to ensure you\u2019re SCA compliant.<\/p>\n\n

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What is Strong Customer Authentication?<\/h2>\n

Strong Customer Authentication is a strict process used to validate online payments. This process is required when your guest\u2019s card and bank are from the EEA.<\/p>\n

Using 3D Secure, a set of rules that provides extra protection for businesses and consumers, guests must provide two of three possible authentication factors to authorize payment at your property. <\/div>\n\n \n\n\n

Authentication factors include:\u00a0<\/strong><\/p>\n

    \n
  1. Something only the guest knows, like a PIN, code, or password<\/li>\n
  2. Something only the guest has, like a physical payment card or phone<\/li>\n
  3. Something part of the guest, such as a face ID, a fingerprint, or an iris scan<\/li>\n<\/ol>\n

    \"sca<\/p>\n

    Why hotels need Strong Customer Authentication<\/h2>\n

    72% of online sales<\/a> in tourism and travel are expected to be made online by 2025. As the online economy grows, regulators are attempting to make online payments safer. In the EEA, the Second Payment Services Directive, or PSD2 regulation, was put in place due to new requirements for authenticating payments online.<\/p>\n

    PSD2 regulation requires Strong Customer Authentication (SCA) for many online payments made by European customers to help reduce fraud. PSD2\u2019s main goal as it pertains to the hospitality industry is to protect guests and their payments. With the introduction of this standard, guest credit card security is maximized, credit card fraud is reduced, and more transactions are successfully processed.<\/p>\n

    How SCA affects your business<\/h2>\n

    This regulation affects how you receive guests’ payments before and after their stay. The impact of SCA on your business can vary depending on the type of purchase, whether you charge a customer during or after checkout, and even which bank your guest uses (remember, SCA is only required when both the business and card holder\u2019s bank are in the EEA).<\/p>\n

    Several exemptions exist for SCA, including:<\/p>\n