Knowledge Base

If your card issuing bank is in the *EU, **EEA, or ***CTC, you may be required to go through an additional step of authentication when you enter your card details or make modifications to your account and subscriptions with us.

This is due to the PSD2 Strong Customer Authentication (SCA), a new European regulatory requirement designed to make online payments more secure, which came into effect on December 31, 2020.

The SCA will require an additional security step before you are able to complete your online transaction that can appear as two or more of the following:

• Knowledge – something the payer knows, including a password, pin, passphrase, etc.
• Possession – something the payer possesses, including their mobile device,
• Inherence – something the payer is, including fingerprint, facial recognition, voice patterns, etc.

This EMV 3D Secure (3DS) authentication process is handled by the financial institution that has issued your card. If you are having issues authenticating your payment, we recommend reaching out to your financial institution directly for further assistance.

What are PSD2 and SCA?

What is PSD2?

The PSD2 is an *EU law aimed at providing better card-payment protection, helping reduce online card fraud and making online purchases more secure for all consumers.

The last and final part of the PSD2 is the SCA, which is the Strong Customer Authentication. This began its rollout on September 19, 2019, and was enforced from December 31, 2020.

What is SCA?

SCA stands for Strong Customer Authentication and is a form of two-factor authentication (2FA) designed to make online payments more secure in the *EU and *EEA.

How does this affect paying for my Pipedrive subscription?

In Pipedrive, when you reach the "confirm" step while updating or entering your card payment details for your Pipedrive subscription, you are likely to be prompted to complete a step of verification and authentication as requested by the financial institution that has issued your card, this is what the authentication pop up in Pipedrive will look like.

Only after strongly authenticating your payment will you be enabled to proceed with the payment.

Learn more about Strong Customer Authentication (SCA) in our FAQ article.