strong customer authentication

Defined in Article 4, Payment Services Directive (PSD2)

Definitions over time (2)

1. 08/04/2024 – today applies on 11/11/2026 Article 4, Payment Services Directive (PSD2) Scope: Whole act

   For the purposes of this Directive, the following definitions apply:

   ‘strong customer authentication’ means an authentication based on the use of two or more elements categorised as knowledge (something only the user knows), possession (something only the user possesses) and inherence (something the user is) that are independent, in that the breach of one does not compromise the reliability of the others, and is designed in such a way as to protect the confidentiality of the authentication data;

2. 23/12/2015 – 12/01/2016 Article 4, Payment Services Directive (PSD2) Scope: Whole act

   For the purposes of this Directive, the following definitions apply:

   ‘strong customer authentication’ means an authentication based on the use of two or more elements categorised as knowledge (something only the user knows), possession (something only the user possesses) and inherence (something the user is) that are independent, in that the breach of one does not compromise the reliability of the others, and is designed in such a way as to protect the confidentiality of the authentication data;

Used in (8 places in 6 provisions on 11/11/2026)

Payment Services Directive (PSD2) (8 in 6)

Recital 107 · Article 4 · Article 74² · Article 92 · Article 97² · Article 98