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SCA deadlines

Strong Customer Autentication deadlines 

Last update 02-2021

Country Regulator SCA Deadline Details
Austria FCA

31 December 2020

- From 15 January, 2021, soft declines applied on transactions above €250

- From 1 February, 2021, soft declines apply on transactions above €150

- From 15 March, 2021, issuers will apply soft declines for all non-compliant transactions.

For more information

Belgium National Bank of Belgium

31 December 2020

Soft declines for non-compliant transactions above €1,500 have been in place since 19 January 2021. This will be gradually lowered to all transactions by 18 March 2021.

- From 23 February, 2021, soft declines apply on transactions above €500

- From 23 March, 2021, soft declines apply on transactions above €250

- From 19 April, 2021, soft declines apply on transactions above €100

- And from 18 May, 2021, on all transactions

For more information

Cyprus Central Bank of Cyprus

31 December 2020*

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Denmark FinantilSysNet

11 January 2021

FinantilSysNet will publish a detailed plan including operational milestones

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Finland FIN-FSA

31 December 2020

Some soft declines are already being actioned

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France Bank of France

31 March 2021

Prior to 31 March 2021, soft declines will be applied in a phased approach, as follows:

- September to December 2020: soft declines applied to non-3D Secure transactions of more than €2000

- From 5 January, 2021: applied to non-secure transactions of €1000 and above

- From from mid-February, 2021: applied to non-secure transactions of €500 and above

- From 15 March, 2021: applied to non-secure transactions of €250 and above

- From 15 April, 2021: applied to non-secure transactions of €100 and above

- from 15 May 2021: applied to all non-secure transactions

For more information

Germany BaFin

31 December 2020

- From 15 January, 2021: Soft decline of transactions more than €250

- From 15 February, 2021: Soft decline of transactions more than €150

- From 15 March, 2021: Soft decline of all transactions

For more information

Greece Bank of Greece

31 December 2020

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Hungary MNB

31 December, 2020

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Ireland Central Bank of Ireland

Full implementation on or before 1 July, 2021

- 1 March, 2021 to 31 March, 2021: Apply soft declines to all direct to authorisation transactions above €750

- 1 April, 2021 to 30 April, 2021: Apply soft declines to all direct to authorisation transactions above €500

- 1st May, 2021 to 31 May, 2021: Apply soft declines to all direct to authorisation transactions above €250

- 1st June, 2021 – 30 June, 2021: Apply soft declines to all direct to authorisation transactions above €150

- Full implementation on or before 1 July, 2021

For more information

Italy Banca D’Italia

31 December 2020*

The Bank of Italy 3-month ramp-up plan is based on the following milestones:

- 1 January, 2021: SCA to be enforced for transactions above €1,000

- 1 February, 2021: SCA to be enforced for transactions above €500

- 1 March, 2021: SCA to be enforced for transactions above €100

- 1 April, 2021: SCA to be enforced for all transactions

For more information

Lithuania Lietuvos Bankas

31 December 2020*

- 1 January, 2021: SCA to be enforced for transactions above €500

- 1 February, 2021: SCA to be enforced for transactions above €250

- 1 March, 2021: SCA to be enforced for transactions above €100

- 1 April, 2021: SCA to be enforced for all transactions

For more information

Luxembourg CSSF (Surveillance Commission of the Finance Sector)

31 December 2020*

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Malta Central Bank of Malta

31 December 2020

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The Netherlands DNB

31 December 2020

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Norway Finanstilsynet

31 December 2020

Parties must actively request this deadline with Finanstilsynet

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Poland KNF

31 December 2020*

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Portugal Banco De Portugal

31 December 2020

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Slovenia Banka Slovenije

31 December 2020

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Spain Banco de España

31 December 2020

A phased roll out of soft declines will precede the deadline

15 January, 2021: SCA to be enforced for transactions above €250

1 February, 2021: SCA to be enforced for transactions above €30

1 March, 2021: SCA to be enforced for all transactions

For more information

Sweden Finansinspektionen

14 September 2019

Unlike most other countries, Sweden has enforced the original SCA deadline, and extensions are only being granted on a request-by-request basis

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United Kingdom FCA

14 September 2021

Implementation will take place gradually, as follows

- June 2021: SCA will be applied to 10% of a merchants’ transactions volume

- July 2021: 30% of transactions

- August 2021: 60% of transactions

- September 2021: 90% of transactions

*Pending the submission of a detailed migration plan to the regulator.

** The following countries have not stated whether they will apply SCA prior to December 31 2020; and if so when and how: Bulgaria, Croatia, Czech Republic, Estonia, Latvia, Liechtenstein, Romania, Slovakia

All information correct as of February 2021