{"id":33808,"date":"2021-03-15T11:05:22","date_gmt":"2021-03-15T10:05:22","guid":{"rendered":"https:\/\/www.fma.gv.at\/wichtiger-schritt-zur-staerkung-der-sicherheit-der-zahlungen-im-internet-ab-heute-ist-bei-kartenzahlungen-im-e-commerce-bereich-starke-kundenauthentifizierung-erforderlich\/"},"modified":"2021-03-15T11:48:43","modified_gmt":"2021-03-15T10:48:43","slug":"important-step-for-strengthening-of-security-of-online-payments-strong-customer-authentication-compulsory-from-today-for-e-commerce-card-payments","status":"publish","type":"post","link":"https:\/\/www.fma.gv.at\/en\/important-step-for-strengthening-of-security-of-online-payments-strong-customer-authentication-compulsory-from-today-for-e-commerce-card-payments\/","title":{"rendered":"Important step for strengthening of security of online payments: Strong Customer Authentication compulsory from today for e-Commerce card payments"},"content":{"rendered":"<?xml encoding=\"utf-8\" ?><p class=\"wp-block-paragraph\">With effect from today, 15 March 2021, strong customer authentication (&ldquo;two-factor authentication&rdquo;) is also required by law for card payments in the field of e-commerce. The deadline extension for the introduction of strong customer authentication that was granted by the supervisor to allow better preparation in this areas has now expired. When accessing a payment account online, making electronic credit transfers, or in the case of &ldquo;Point of Sale&rdquo; payments strong customer authentication has already applied throughout Europe since 14 September 2019. In the case of payments in the field of e-commerce (using credit cards or debit cards) strong customer authentication is required to be conducted on a mandatory basis, in the case that a statutory exception is not applicable.<br>Strong customer authentication is intended to contribute towards the prevention of fraud in payment transactions as far as possible. It means that the identity of a person making a payment is to be verified using at least two out of a total of three factors. These elements are:<\/p><ul class=\"wp-block-list\" id=\"block-1a561450-1ae6-4cb6-932c-89ee783f45f4\"><li><strong>Knowledge<\/strong> &ndash; something that only the person making the payment knows, such as a password<\/li><li><strong>Possession<\/strong> &ndash; something only the person making the payment possesses, such as a card that is read by a card reader or a mobile phone, on which a one-time password (TAN Code) is received<\/li><li><strong>Inherence<\/strong> &ndash; something that only the person making the payment is, such as a fingerprint or a facial scan<\/li><\/ul><p class=\"wp-block-paragraph\">Strong customer authentication is defined in the Payment Services Directive II (PSD II) that entered into force on 13. Janunary 2016, and which was transposed into national law &ndash; with transitional periods &ndash; on 01 June 2018 by the Payment Services Act 2018 (ZaDiG 2018; Zahlungsdienstegesetz 2018). Originally undertakings had until 14 September 2019 to migrate to strong customer authentication.<\/p><p class=\"wp-block-paragraph\">Further information about strong customer authentication can be found on the following <a href=\"https:\/\/www.fma.gv.at\/en\/fma-spotlight-on\/information-on-strong-customer-authentication\/\">link<\/a>.<\/p><h2 class=\"wp-block-heading\">Journalists may address further enquiries to:<\/h2><p class=\"wp-block-paragraph\">Klaus Grubelnik (FMA Media Spokesperson)<br>+43 \/ (0)1 \/ 24959-6006<br> +43 \/ (0) 676 \/ 88 249 516<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Strong Customer Authentication compulsory from today for e-Commerce card payments<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[80],"tags":[],"class_list":["post-33808","post","type-post","status-publish","format-standard","hentry","category-press-release"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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