Loqate, a GBG solution

What is SCA?  

After March 14 2022, businesses must develop solutions that further authenticate that a person making a payment is permitted to do so. Any business that does not authenticate payments could be fined and have customer payments declined. Such verification would need to take place whenever a customer: 

makes a payment online

accesses a payment account
acts in a way that implies a risk of fraud

The upshot for eCommerce retailers is that more customer details are needed to validate identities. The FCA's (Financial Conduct Authority) guidance has also recommended that the methods do not exclude people based on their use of technology (e.g., mobile phones or laptops). This guidance means that phone numbers are the best option as they cover the broadest range of customers. 

What are the benefits of Loqate’s phone validation?

External database checks

Confirm whether a number is valid or not beyond simple syntax and format checks by comparing against external datasets.

Complete coverage

Check customer details for mobiles and landlines internationally.

Liveness checks

See whether UK mobiles numbers are active and likely to generate a response.

Frictionless payment authentication

Validate customer details instantly to make their journey through the transaction as smooth as possible.

Real-time queries

Numbers are never cached, so they are always up-to-date and accurate.

Flexible API

Access the insights you need and choose when to verify - at point of capture, pre-send or in a batch cleanse.

Speak to us about how we can help you meet SCA requirements

Contact one of our product experts now, and they will advise you on how we can prepare you for March 14th.