PSD2 SCA & Dynamic Linking
Built for banks and fintechs, we help financial organizations comply with PSD2 SCA by using two independent authentication factors and dynamically linking transaction amount and account number.
PSD2 SCA & Dynamic Linking
Built for banks and fintechs, we help financial organizations comply with PSD2 SCA by using two independent authentication factors and dynamically linking transaction amount and account number.
What is PSD2 SCA?
PSD2 SCA mandates that all EU banks authenticate the identity of their customers by using at least two independent authentication factors and dynamically link transaction amount and account number.
Our passwordless authentication solutions are multi-factor by design and provide dynamic linking for all electronic transactions.
SCA with one user action
Keyless combines the two strongest authentication factors of inherence and possession, eliminating reliance on knowledge and shared secrets.
Each factor is verified independently of the other, providing true multi-factor authentication with a simple selfie.
Dynamic linking for payment authorization
Keyless dynamically links transaction amount and account number by generating a unique and independent one-time code after each successful transaction.
This ensures stronger payment authentication, aligns with PSD2 SCA requirements, and integrates seamlessly via the Mobile SDK for a secure, user-friendly, and compliant payment experience.
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.
Why Choose Keyless for
PSD2 SCA and Dynamic Linking
Combine inherence and possession with passwordless biometrics, ensuring strong authentication with a single selfie.
Securely link transaction details to unique one-time codes, meeting PSD2 requirements without user friction.
Authenticate transactions seamlessly via our Mobile SDK, offering compliance and superior usability.
Adopted by EU banks for PSD2 SCA compliance, ensuring security without storing biometric data.
Authenticating payments
Listen to our Co-Founder and COO Fabian Eberle explain what Strong Customer Authentication is.
The Keyless Advantage
Related Resources
Passwordless is Just the Beginning.
The Future is Keyless.
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