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Requirements for Strong Customer Authentication Support in the EU Region

Your POS system must meet these requirements to ensure PSD2 compliance and support card-present transactions with SCA.
  • Supports these POS system capabilities:
    • Contact or contactless EMV transactions
    • Online PIN transactions (where applicable)
    • Repeated transactions with encrypted PIN
  • Supports these rest API fields and values to trigger repeated transactions with PIN:
    • pointOfSaleInformation.emv.isRepeat
      =
      true
    • pointOfSaleInformation.encryptedKeySerialNumber
      =
      <encrypted KSN value>
    • pointOfSaleInformation.encryptedPin
      =
      <encrypted PIN block>
    • pointOfSaleInformation.pinBlockEncodingFormat
      =
      encrypted PIN block format
  • Supports these soft-decline authorization response codes:
    • 1A
    • 65
    • 70