Introducing the Chargebee CLI
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Will SEPA transactions require SCA?

Problem Statement

This article helps you understand whether SEPA transactions require SCA.

Solution

Since SEPA transactions have multi-level authentication, they already meet the standards set by SCA. Hence all SEPA transactions are exempt from 3D Secure (3DS). Also, transactions going through PayPal Express checkout and Amazon Payments are exempt for the same reason.

If you wish to know more about 3DS and how Chargebee is handling it, see the Strong Customer Authentication guide for SaaS.

How are recurring payments affected because of SCA?
What are the changes that I need to make to become SCA compliant?
What are the implications of not complying with SCA/PSD2?
What is SCA and where does it apply?