What is the merchant conversion impact of SCA?

SCA adds authentication steps that increase checkout friction. Studies show SCA increases checkout abandonment by 10–15% without optimized 3DS2 flows. Optimized implementation with smart exemptions (transaction risk analysis, trusted beneficiary, low-value exemption) can reduce the conversion impact to 2–5% versus non-SCA baseline.

Which SCA exemptions are available under PSD2?

PSD2 exemptions: low-value transactions (under EUR 30, up to EUR 100 cumulative); merchant-initiated transactions (recurring with fixed amount); trusted payees (customer whitelisted merchant); transaction risk analysis (issuer or acquirer fraud rate below threshold). Issuers can refuse exemptions and require SCA regardless.

PSD2 Strong Customer Authentication Cost

Estimate merchant and bank cost of implementing PSD2 Strong Customer Authentication (SCA) for ecommerce, including 3DS2 integration cost, conversion impact from added friction, and exemption optimization savings.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How It Works

Each component has a specific meaning:

Added friction — The added friction recorded for the scenario being assessed.
Exemption optimization savings — The exemption optimization savings recorded for the scenario being assessed.

Note: Interpret the psd2 sca cost result against the thresholds and context described above.

How to Use

Enter the added friction, exemption optimization savings for the scenario you are assessing. Estimate merchant and bank cost of implementing PSD2 Strong Customer Authentication (SCA) for ecommerce, including 3DS2 integration cost, conversion impact from added friction, and exemption optimization savings. Use the psd2 sca cost result to inform your calculation.

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