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Strong Customer Authentication

Without a Hitch: Launching SCA as Efficiently as Possible

The introduction of Strong Customer Authentication presents yet another challenge for merchants to deal with this year. But done right, launching SCA offers e-commerce merchants the chance to improve site security, and can significantly reduce payments fraud. Here’s some things to take into consideration to make the transition simpler and faster.

Where Do You Work? Know What You Need to Do, and When, by Geography

The UK’s Financial Conduct Authority has provided a six-month extension to its SCA deadline, to 14 September 2021. This will provide UK merchants with UK-only transactions with additional time to prepare for SCA implementation while also focusing on their core issues amidst the COVID-19 pandemic.

However, e-commerce is global. If your UK business trades cross-border, we suggest you consider aiming to launch before 31 December 2020, when SCA will become mandatory throughout EU nations. If you trade into or out of any of these countries, you could risk declined transactions if your payment systems are not SCA-compliant by this date. 

Consider Launching in Phases 

Some European issuers have already started to decline a quota of transactions that are not SCA-compliant.1 This means that being ready sooner rather than later is a good idea to avoid potentially losing business. Some merchants may be reluctant to launch now, in the critical fourth quarter, where transaction volumes surge with Black Friday and Christmas. We suggest considering small testing windows—making SCA live on your site for several hours, or a morning, to assess customer response and check for issues ahead of a full-scale launch.

Be Prepared for a Disjointed Launch 

From issuers to acquirers, merchants to banks, the entire payments and e-commerce industry will be green-lighting their SCA functions at different times. It’s better to be ahead, rather than behind, other parts of the industry—but be aware that there will likely be inconsistencies and delays as other players go live with SCA at different times.

Lean on Your Providers for Help

According to research carried out in 2020 by travel technology firm Amadeus, the two biggest hurdles facing merchants trying to become SCA compliant before the deadline are the COVID-19 pandemic (65%) and a lack of internal resources (55%).2 This is where talking with trusted providers can help. As a merchant acquirer, we are keeping our clients updated with the latest developments and providing knowledge, insight and support to help make the SCA transition as smooth as possible. 


The road towards SCA compliance has been long, and with multiple deadline extensions and amidst the Covid-19 pandemic , implementation may have slipped down to-do lists. However, we view successfully launching SCA as an important opportunity to ensure the most effective security protocols are in place and to future-proof our merchant clients.

Contact your local J.P. Morgan representative for further information on managing the risks, transitions and opportunities the e-commerce community is facing this year, and into 2021. 


1. pxpfinancial.com, October 2020. ‘Strong customer authentication for busy people.’ Accessed November 2020. 
2. amadeus.com, October 2020. ‘Research shows only 33% of travel players ready for Strong Customer Authentication by December deadline.’ Accessed November 2020. 

Already an Existing Customer?

Contact us if you require advice, help or support.

Existing Merchant Service Customers

If you have a technical issue or a question about your merchant account, please call your Relationship Manager directly.
Alternatively, call our merchant support team on:

For Europe: +353 1 726 2909     UK: 0845 399 1130

Further information is available at any time through your Paymentech Online account.


Out of Courts Complaints and Redress Procedures

  1. J.P.Morgan has in place complaint resolution procedures to settle complaints of Merchants arising from their rights and obligations under Parts 3 and 4 of the Payment Services Regulations 2018.
  2. If you have a complaint, please contact your Relationship Manager. Your complaint will be addressed in accordance with J.P.Morgan complaint policy, which we are happy to provide upon request.
  3. In the event of a complaint, a Merchant may refer the matter to the Irish Financial Services and Pensions Ombudsman (FSPO) or such relevant out-of-court complaint body or to such other competent out-of-court complaint body applicable to you in the country where you are established.
  4. Details on complainant eligibility are available on the FSPO website.

                   You can contact the FSPO at:

Irish Financial Services and Pensions Ombudsman
Lincoln House
Lincoln Place
Dublin 2
D02 VH29
Tel: + 353 1 567 7000
Email: info@fspo.ie
Website: https://www.fspo.ie


Merchants domiciled in the UK

  1. From 1st January 2021, J.P.Morgan will enter into the UK's Temporary Permissions Regime (TPR).
  2. The TPR has been established by the UK regulators to allow firms such as J.P.Morgan to continue to operate in the UK following the end of the Brexit transition period.
  3. During the TPR, a UK-based merchant that is not satisfied with our response to a complaint and that qualifies as an eligible complainant may refer the matter to the UK's Financial Ombudsman Service. Details on complainant eligibility are available on the Financial Ombudsman Service website.

                   You can contact the Financial Ombudsman Service at:

Financial Ombudsman Service
Exchange Tower
E14 9SR
Free phone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk