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PSD2 SCA
European Union
v2019
11 domains
28 controls
Payment Services Directive 2 Strong Customer Authentication requirements
Verified
PSD2 SCA is a compliance framework from European Union with 11 domains and 28 controls that map to 146 other frameworks. The largest domains are Exemptions from Strong Customer Authentication (9 controls), General Authentication Requirements (7 controls), Confidentiality and Integrity of Credentials (3 controls). Every control below carries what it requires and what an assessor expects to see.
Framework summaries on this platform are AI-assisted interpretations for educational and compliance planning purposes. They do not reproduce or replace the official standards. Refer to the authoritative source for the definitive text. Framework names and trademarks belong to their respective organisations.
Framework Domains (11)
Authentication Methods
1 controls
| Code | Title |
|---|---|
| PSDTWO-5 | Customer Authentication Methods, Biometric Controls, Device Binding |
Common and Secure Open Standards of Communication
2 controls
Common and Secure Open Standards of Communication
Confidentiality and Integrity of Credentials
3 controls
Confidentiality and Integrity of Credentials
Exemptions from Strong Customer Authentication
9 controls
Exemptions from Strong Customer Authentication
| Code | Title |
|---|---|
| RTS-A10 | Exemption: Information on Payment Accounts |
| RTS-A11 | Exemption: Contactless Low Value |
| RTS-A12 | Exemption: Unattended Terminals for Transport or Parking Fares |
| RTS-A13 | Exemption: Trusted Beneficiaries |
| RTS-A14 | Exemption: Recurring Transactions |
| RTS-A15 | Exemption: Credit Transfers Between Accounts of the Same Person |
| RTS-A16 | Exemption: Low Value Remote Transactions |
| RTS-A18 | Transaction Risk Analysis Exemption |
| RTS-A20 | Cessation of Exemption Use |
Fraud Monitoring and Reporting
1 controls
Fraud Monitoring and Reporting
| Code | Title |
|---|---|
| RTS-A19 | Fraud Rate Calculation and Reporting |
Fraud and Incident Reporting
1 controls
| Code | Title |
|---|---|
| PSDTWO-4 | Fraud Reporting and Incident Management |
General Authentication Requirements
7 controls
General Authentication Requirements
| Code | Title |
|---|---|
| RTS-A1 | General Authentication Requirements |
| RTS-A2 | Authentication Code Properties |
| RTS-A4 | Dynamic Linking |
| RTS-A6 | Requirements of Knowledge Elements |
| RTS-A7 | Requirements of Possession Elements |
| RTS-A8 | Requirements of Inherence Elements |
| RTS-A9 | Independence of Elements |
Governance and Compliance
1 controls
| Code | Title |
|---|---|
| PSDTWO-6 | Governance, Risk Management, Compliance Monitoring |
Open Banking APIs
1 controls
| Code | Title |
|---|---|
| PSDTWO-3 | Common and Secure Communication, API Access for AISPs and PISPs |
SCA Core
1 controls
| Code | Title |
|---|---|
| PSDTWO-1 | Strong Customer Authentication (SCA) Core Requirements |
SCA Exemptions
1 controls
| Code | Title |
|---|---|
| PSDTWO-2 | SCA Exemptions and Risk-Based Authentication |
Your Compliance Coverage
If you comply with PSD2 SCA, you already cover:
EMV 3‑D Secure (3DS) - Payment Authentication Protocol
14%
4 controls mapped
Compare →FTC GLBA Safeguards Rule (16 CFR Part 314)
14%
4 controls mapped
Compare →Vietnam PDPD
14%
4 controls mapped
Compare →+ 143 more: US Maritime Transportation Security Act (MTSA) and USCG Cybersecurity Requirements (14%), US EPA Safe Drinking Water Act (SDWA) - Cybersecurity Requirements (14%)
See all 146 mapped frameworks ↓Maps to 146 other frameworks
28 total controls
EMV 3‑D Secure (3DS) - Payment Authentication Protocol
4 source controls mapped|4 target controls covered
14%
FTC GLBA Safeguards Rule (16 CFR Part 314)
4 source controls mapped|3 target controls covered
14%
Vietnam PDPD
4 source controls mapped|1 target controls covered
14%
US Maritime Transportation Security Act (MTSA) and USCG Cybersecurity Requirements
4 source controls mapped|3 target controls covered
14%
US EPA Safe Drinking Water Act (SDWA) - Cybersecurity Requirements
4 source controls mapped|2 target controls covered
14%
Turkey KVKK
4 source controls mapped|1 target controls covered
14%
Protective Security Policy Framework (PSPF) Release 2024
4 source controls mapped|2 target controls covered
14%
NIST SP 800-171A Rev 3 - Assessing CUI Security Requirements
4 source controls mapped|12 target controls covered
14%
ISO 22320:2018
4 source controls mapped|7 target controls covered
14%
FFIEC IT Examination Handbook
4 source controls mapped|15 target controls covered
14%
IEC 62443
4 source controls mapped|7 target controls covered
14%
UK Defence Standard 05-138 - Cyber Security for Defence Suppliers
4 source controls mapped|4 target controls covered
14%
NIST SP 800-53 Rev 5
4 source controls mapped|14 target controls covered
14%
FFIEC Cybersecurity Assessment Tool (CAT)
4 source controls mapped|6 target controls covered
14%
ASIS SPC.1-2009 - Organizational Resilience Standard
4 source controls mapped|5 target controls covered
14%
PCI P2PE
4 source controls mapped|15 target controls covered
14%
PCI SSF
4 source controls mapped|16 target controls covered
14%
Singapore Government Instruction Manual on ICT&SS Management (IM8)
4 source controls mapped|10 target controls covered
14%
ISO 27019
4 source controls mapped|7 target controls covered
14%
APRA CPS 234
4 source controls mapped|6 target controls covered
14%
ISO/IEC 27010:2015
4 source controls mapped|4 target controls covered
14%
ASD Strategies to Mitigate Cyber Security Incidents
4 source controls mapped|14 target controls covered
14%
Bahrain PDPL
4 source controls mapped|4 target controls covered
14%
NIST SP 800-190
4 source controls mapped|7 target controls covered
14%
API 1164
4 source controls mapped|7 target controls covered
14%
NIST SP 1800-32
4 source controls mapped|7 target controls covered
14%
South Korea ISMS-P
4 source controls mapped|8 target controls covered
14%
APPI
4 source controls mapped|4 target controls covered
14%
PCI PIN Security
4 source controls mapped|17 target controls covered
14%
UK Open Banking Standard
4 source controls mapped|6 target controls covered
14%
ISO 27017
4 source controls mapped|7 target controls covered
14%
Switzerland New Federal Act on Data Protection (nFADP/nDSG, 2023)
4 source controls mapped|6 target controls covered
14%
NIST Cybersecurity Framework 2.0
4 source controls mapped|15 target controls covered
14%
APRA CPS 230 Operational Risk Management
4 source controls mapped|5 target controls covered
14%
SANS Incident Handler's Handbook and PICERL Methodology
4 source controls mapped|7 target controls covered
14%
Qatar DPL
4 source controls mapped|2 target controls covered
14%
Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (UAE PDPL)
4 source controls mapped|4 target controls covered
14%
ISO 27018
4 source controls mapped|7 target controls covered
14%
ISO/IEC 27400:2022
4 source controls mapped|4 target controls covered
14%
Annex 11 to EU GMP - Computerised Systems
4 source controls mapped|6 target controls covered
14%
NIST SP 800-124 Revision 2 - Guidelines for Managing the Security of Mobile Devices
4 source controls mapped|8 target controls covered
14%
ISO 28001:2007 Supply Chain Security Management
4 source controls mapped|4 target controls covered
14%
Vietnam Law on Cybersecurity (No. 24/2018/QH14)
3 source controls mapped|1 target controls covered
11%
TEFCA - Trusted Exchange Framework and Common Agreement
3 source controls mapped|1 target controls covered
11%
BSI IT-Grundschutz
3 source controls mapped|7 target controls covered
11%
EASA Part-IS - Information Security in Aviation
3 source controls mapped|6 target controls covered
11%
Barbados Data Protection Act 2019
3 source controls mapped|2 target controls covered
11%
ISO/IEC 30111:2019
3 source controls mapped|2 target controls covered
11%
ISO 20000-1
3 source controls mapped|4 target controls covered
11%
AICPA Privacy Management Framework (PMF)
3 source controls mapped|4 target controls covered
11%
ITIL 4
3 source controls mapped|3 target controls covered
11%
NFPA 1600 - Standard on Continuity, Emergency, and Crisis Management
3 source controls mapped|5 target controls covered
11%
Canada ITSG-33 - IT Security Risk Management
3 source controls mapped|1 target controls covered
11%
BS 65000:2014 - Guidance on Organizational Resilience
3 source controls mapped|3 target controls covered
11%
ISO/IEC 38500:2024 - Governance of IT
3 source controls mapped|5 target controls covered
11%
AS9100D - Aerospace Quality Management System
3 source controls mapped|1 target controls covered
11%
IEC 62304:2015 Medical Device Software Lifecycle Processes
3 source controls mapped|6 target controls covered
11%
ISO 15189:2022 - Medical Laboratories Requirements for Quality and Competence
3 source controls mapped|8 target controls covered
11%
ISO 27005
3 source controls mapped|4 target controls covered
11%
FBI CJIS Security Policy
3 source controls mapped|4 target controls covered
11%
Voluntary Principles on Security and Human Rights (VPs)
2 source controls mapped|1 target controls covered
7%
US Gramm-Leach-Bliley Act (GLBA) - Higher Education Safeguards Rule
2 source controls mapped|1 target controls covered
7%
Singapore Cybersecurity Act 2018
2 source controls mapped|1 target controls covered
7%
NIST SP 800-171
2 source controls mapped|1 target controls covered
7%
COSO Internal Control - Integrated Framework (2013)
2 source controls mapped|1 target controls covered
7%
Nevada Gaming Control Board Cybersecurity Requirements
2 source controls mapped|1 target controls covered
7%
ISO/IEC 23894:2023
2 source controls mapped|6 target controls covered
7%
Authorised Economic Operator (AEO) Programmes - Global Standards
2 source controls mapped|1 target controls covered
7%
Singapore AI Governance Framework
2 source controls mapped|1 target controls covered
7%
ISO/IEC 27557:2022 - Organisational Privacy Risk Management
2 source controls mapped|4 target controls covered
7%
IEC 60601-1 - Medical Electrical Equipment Safety
2 source controls mapped|4 target controls covered
7%
AML/CTF Act 2006 (Australia)
2 source controls mapped|1 target controls covered
7%
ISO 20400:2017 - Sustainable Procurement
2 source controls mapped|3 target controls covered
7%
ISO 31000
2 source controls mapped|3 target controls covered
7%
Kuwait National Cybersecurity Framework
2 source controls mapped|2 target controls covered
7%
ISO/IEC 27003:2017
2 source controls mapped|3 target controls covered
7%
ISO 37000:2021 - Governance of Organizations
2 source controls mapped|4 target controls covered
7%
Aged Care Quality Standards 2019 (repealed edition)
2 source controls mapped|1 target controls covered
7%
UAE Virtual Asset Regulatory Authority (VARA) Regulations
2 source controls mapped|1 target controls covered
7%
IAIS Insurance Core Principles (ICPs)
2 source controls mapped|3 target controls covered
7%
ICAO Annex 17 - Aviation Security (AVSEC)
2 source controls mapped|1 target controls covered
7%
ICH Q10 - Pharmaceutical Quality System
2 source controls mapped|3 target controls covered
7%
ISO/SAE 21434
2 source controls mapped|7 target controls covered
7%
AWWA Cybersecurity Guidance for the Water Sector (American Water Works Association)
2 source controls mapped|6 target controls covered
7%
IEC 62351 - Power Systems Communication Security
2 source controls mapped|4 target controls covered
7%
ISO 27043
2 source controls mapped|7 target controls covered
7%
ISO/IEC 27011:2024
2 source controls mapped|4 target controls covered
7%
CISA Cross-Sector Cybersecurity Performance Goals (CPG) 2.0
2 source controls mapped|6 target controls covered
7%
ISO 19011
2 source controls mapped|3 target controls covered
7%
ISO 31000:2018
2 source controls mapped|2 target controls covered
7%
ISO 22739:2024 - Blockchain and Distributed Ledger Technologies Vocabulary
2 source controls mapped|4 target controls covered
7%
NATO STANAG 4774 (Confidentiality Metadata Labels) and STANAG 4778 (Metadata Binding)
2 source controls mapped|2 target controls covered
7%
OWASP SAMM
2 source controls mapped|3 target controls covered
7%
PTES
2 source controls mapped|4 target controls covered
7%
ISO 26262:2018 - Functional Safety for Road Vehicles
2 source controls mapped|2 target controls covered
7%
DAMA-DMBOK2 - Data Management Body of Knowledge (2nd Edition)
2 source controls mapped|3 target controls covered
7%
ISO/IEC 27031:2011
2 source controls mapped|8 target controls covered
7%
ISO/IEC 27007:2020
2 source controls mapped|2 target controls covered
7%
COBIT 2019
2 source controls mapped|2 target controls covered
7%
ISO/IEC 25012:2008 - Data Quality Model
2 source controls mapped|3 target controls covered
7%
South Africa Promotion of Access to Information Act (PAIA)
1 source controls mapped|1 target controls covered
4%
South Korea Cloud Security Assurance Program (CSAP)
1 source controls mapped|1 target controls covered
4%
ISO 27799
1 source controls mapped|2 target controls covered
4%
ISO 13485
1 source controls mapped|2 target controls covered
4%
ISO/IEC 29115:2023 - Entity Authentication Assurance Framework
1 source controls mapped|1 target controls covered
4%
ISO/IEC 23837 - Security Requirements for Quantum Key Distribution
1 source controls mapped|2 target controls covered
4%
AS9100D:2016 - Quality Management Systems for Aviation, Space, and Defence
1 source controls mapped|1 target controls covered
4%
MARS-E - Minimum Acceptable Risk Standards for Exchanges
1 source controls mapped|1 target controls covered
4%
FIDO2 / WebAuthn
1 source controls mapped|1 target controls covered
4%
ISO 22317
1 source controls mapped|5 target controls covered
4%
ISO 22318
1 source controls mapped|5 target controls covered
4%
ISO 22316
1 source controls mapped|5 target controls covered
4%
ISO 22313:2020 - Guidance on Business Continuity Management Systems
1 source controls mapped|3 target controls covered
4%
ITU-T X.805 - Security Architecture for End-to-End Communications
1 source controls mapped|1 target controls covered
4%
ISO/IEC 29100:2024
1 source controls mapped|1 target controls covered
4%
W3C Verifiable Credentials (VC) Data Model 2.0
1 source controls mapped|1 target controls covered
4%
USMCA Chapter 19 - Digital Trade (United States-Mexico-Canada Agreement)
1 source controls mapped|1 target controls covered
4%
SWIFT CSCF
1 source controls mapped|1 target controls covered
4%
Regulation on the European Health Data Space (EHDS)
1 source controls mapped|1 target controls covered
4%
US Consumer Product Safety Commission (CPSC) - Connected Product Safety
1 source controls mapped|1 target controls covered
4%
PCI DSS 4.0
1 source controls mapped|1 target controls covered
4%
Austria Data Protection Act (Datenschutzgesetz, DSG, amended 2018)
1 source controls mapped|2 target controls covered
4%
Albania Law on Protection of Personal Data (Law No. 9887, 2008, amended 2014)
1 source controls mapped|2 target controls covered
4%
ISO/IEC 27004:2016
1 source controls mapped|2 target controls covered
4%
Azerbaijan Law on Personal Data (2010)
1 source controls mapped|1 target controls covered
4%
ISO 19650 - Organisation and Digitisation of Information about Buildings and Civil Engineering Works (BIM)
1 source controls mapped|3 target controls covered
4%
Science Based Targets Initiative (SBTi) - Net-Zero Standard
1 source controls mapped|2 target controls covered
4%
ISO/IEC 17025:2017 - General Requirements for Testing and Calibration
1 source controls mapped|2 target controls covered
4%
US Foreign Corrupt Practices Act (FCPA)
1 source controls mapped|1 target controls covered
4%
Automotive SPICE (ASPICE) v4.0 - Process Assessment Model
1 source controls mapped|2 target controls covered
4%
BRCGS Global Standard for Food Safety Issue 9
1 source controls mapped|3 target controls covered
4%
ISO 41001:2018 - Facility Management Systems
1 source controls mapped|2 target controls covered
4%
ISO 8000 - Data Quality
1 source controls mapped|2 target controls covered
4%
ISO/IEC 29147:2018
1 source controls mapped|1 target controls covered
4%
Illinois Biometric Information Privacy Act (BIPA)
1 source controls mapped|1 target controls covered
4%
Florida Digital Bill of Rights (FDBR)
1 source controls mapped|2 target controls covered
4%
FedRAMP High
1 source controls mapped|1 target controls covered
4%
NIST SP 800-53 Revision 5.1 HIGH
1 source controls mapped|1 target controls covered
4%
FedRAMP Moderate
1 source controls mapped|1 target controls covered
4%
NIST SP 800-53 Rev 5 MODERATE
1 source controls mapped|1 target controls covered
4%
NIST SP 800-53 Rev 5 LOW
1 source controls mapped|1 target controls covered
4%
ISO 56002
1 source controls mapped|2 target controls covered
4%
Nebraska Data Privacy Act
1 source controls mapped|2 target controls covered
4%
ISO 14064 - Greenhouse Gas Accounting and Verification (Parts 1-3)
1 source controls mapped|1 target controls covered
4%
Philippines Cybercrime Prevention Act (RA 10175)
1 source controls mapped|1 target controls covered
4%
French Sapin II Law (Law No. 2016-1691)
1 source controls mapped|1 target controls covered
4%
What is PSD2 SCA and who does it apply to?
PSD2 SCA is a compliance framework from European Union with 11 domains and 28 controls. Payment Services Directive 2 Strong Customer Authentication requirements It is used by organisations to establish and maintain compliance with industry standards and regulatory requirements.
What does PSD2 SCA actually require?
PSD2 SCA has 28 controls organised across 11 domains. The largest domains are Exemptions from Strong Customer Authentication (9 controls), General Authentication Requirements (7 controls), Confidentiality and Integrity of Credentials (3 controls). Each control defines specific requirements that organisations must implement to achieve compliance.
If I already comply with another framework, how much of PSD2 SCA do I already cover?
PSD2 SCA maps to 146 other compliance frameworks. The top mapping partners are EMV 3‑D Secure (3DS) - Payment Authentication Protocol (14% coverage), FTC GLBA Safeguards Rule (16 CFR Part 314) (14% coverage), Vietnam PDPD (14% coverage). Use our comparison tool to explore control-level mappings between frameworks.
How do I implement PSD2 SCA?
Start your PSD2 SCA compliance journey by running a self-assessment on our platform to identify your current compliance posture. Our AI advisory can answer specific questions about PSD2 SCA requirements, and cross-framework mapping helps you leverage existing controls from other frameworks you may already comply with. Create a free account to access all 28 controls and track your progress.
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