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Okay PSD2 SCA

Compliant and Secure Customer Authentication

Okay's PSD2 SCA (Strong Customer Authentication) solution simplifies compliance with the EU's Revised Payment Services Directive (PSD2), while enhancing security for financial institutions and their customers.

Why Choose Okay PSD2 SCA?

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Effortless PSD2 Compliance

Easily meet the dynamic linking and strong authentication requirements set by PSD2. Okay PSD2 SCA ensures your business stays compliant with the latest regulations, reducing the risk of non-compliance penalties.

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Seamless SDK Integration for Fast Deployment

Implement strong customer authentication with minimal development effort. Our SDKs for iOS and Android, React Native and Flutter allow for easy integration no matter what framework your app is created with, enabling a fast time-to-market and seamless user experiences.

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Biometric Authentication for Seamless User Experiences

Enhance security and convenience with biometric authentication. Depending on your risk thresholds, choose between smartphone biometrics or onboarding-captured data. This flexibility ensures secure, frictionless transactions tailored to your business’s needs. The Okay ACS SDK ensures smooth integration for a seamless user journey.

Simplify Access, Strengthen Security

Ready to meet PSD2 requirements and protect your customers with secure, seamless authentication? Contact us today to see how Okay PSD2 SCA can enhance your compliance and reduce fraud.

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Multichannel Authentication for Flexibility

Support a variety of authentication methods, including biometrics, PINs, and more, across different devices. Okay PSD2 SCA provides the flexibility to meet your customers’ preferences while ensuring security.

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Resilient Fallback Mechanisms

Ensure uninterrupted service with robust backup authentication methods, such as voice call verification. These fallback solutions enhance system resilience and protect your business from authentication failures.

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Versatile Onboarding Solutions

No matter how your customers interact with your business, Okay KYC has you covered. From app-based and PC-based onboarding to document-driven workflows, our platform adapts to meet all onboarding scenarios. Flexible and future-proof, Okay KYC ensures smooth implementation across multiple channels.

Robust Security Against Evolving Threats

Protect your app and users from a wide range of security threats. Okay PSD2 SCA employs advanced security mechanisms to defend against:

Root-Level Malware and Reverse Engineering

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Our solution includes obfuscation and tamper-resistance measures, such as honeypots and multiple integrity tests, to prevent malware from reverse-engineering or modifying your app's functionality.

Root-Level Malware and Reverse Engineering

Network Attacks

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We ensure the authenticity, integrity, and confidentiality of all transaction data, protecting against man-in-the-middle attacks and maintaining dynamic linking throughout the SCA process.

Network Attacks

Innovative Malware Threats

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Our advanced security measures are designed to protect against new forms of malware, ensuring your app remains secure against emerging threats.

Innovative Malware Threats

Overlay and Accessibility Attacks

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Active and passive overlay detection mechanisms—including server-side screenshot analysis and detection of floating windows—protect against attacks that attempt to trick users with fraudulent interfaces.

Overlay and Accessibility Attacks

Local Storage Attacks

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Continuous encryption and secure storage prevent keys and sensitive information from being extracted from the app.

Local Storage Attacks

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Strengthen Your Security and Simplify Compliance

Discover how Okay’s Integration & Professional Services can help you implement PSD2-compliant solutions, reduce fraud, and enhance customer trust with seamless authentication.