PSD2 Strong Customer Authentication for EU Platforms
Platform operators need a stricter PSD2 SCA operating model now because failures show up first as declined payments, abandoned checkouts, support load, and missed revenue, not just as legal findings. If you cannot show who owns each SCA decision and how it was implemented, you have a payments control gap. Teams tracking that fallout should compare SCA-specific friction against a [payment decline benchmark view](/blog/payment-decline-rate-benchmarks-platform-industry-standards) so they do not treat every approval-rate problem as the same issue.
