PSD2 SCA & Dynamic Linking

Designed for banks and fintechs, Keyless ensures PSD2 SCA compliance with two-factor authentication and in-built dynamic linking.

What is PSD2 SCA?

PSD2 SCA requires all EU banks to authenticate customers using two independent factors and dynamically link transaction amount with the user's account number.

Two factor authentication, one user action

Keyless is multi-factor by design, verifying a user's face and their device with a glance, fulfilling the mandate's MFA requirements.

Dynamic linking for payment authorization

Every transaction is tied to a unique code that includes the amount and recipient - meeting PSD2’s dynamic linking requirement without extra user effort.

Case study: International Bank

An international bank based in the EU was looking for a PSD2 SCA-compliant authentication solution that offered dynamic linking without increasing user friction.
Keyless was chosen due to its unique ability to independently authenticate possession and inherence without centrally storing biometric data.
Read Case Study

Why Choose Keyless for

PSD2 SCA and Dynamic Linking

PSD2-Compliant Multi-Factor AuthenticationDynamic Linking for PaymentsStreamlined User ExperienceProven Success with Banks

Authenticating payments

Listen to our Co-Founder and COO Fabian Eberle explain what Strong Customer Authentication is.

The Keyless Advantage

Security
Multi-factor authentication with true identity assurance—so only enrolled users can authenticate.
Privacy
No biometric data stored anywhere, eliminating privacy risks and centralized cloud repositories.
Cost
Self-service account recovery that cuts SMS OTP, call center, and IDV re-onboarding costs.
User Experience
Passive liveness in under 300ms—5x faster than competitors—on any device with a front camera.
Integration
App, web, and mobile browser deployments via cloud or on-prem, with backend bulk user enrollment.

Related Resources

Passwordless is Just the Beginning.
The Future is Keyless.