{"id":8275,"date":"2023-10-02T11:47:17","date_gmt":"2023-10-02T11:47:17","guid":{"rendered":"https:\/\/www.worldfirst.com\/th\/?page_id=8275"},"modified":"2023-12-01T12:17:47","modified_gmt":"2023-12-01T12:17:47","slug":"strong-customer-authentication","status":"publish","type":"page","link":"https:\/\/www.worldfirst.com\/th\/compliance\/strong-customer-authentication\/","title":{"rendered":"Strong Customer Authentication"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"8275\" class=\"elementor elementor-8275\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f5d015 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f5d015\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-eb71d71\" data-id=\"eb71d71\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f43dce elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1f43dce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h4 class=\"elementor-heading-title elementor-size-default\">Related content<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-651f447 elementor-widget elementor-widget-text-editor\" data-id=\"651f447\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><div class=\"x-anchor-text\"><div>&#8211;\u00a0<a href=\"\/th\/legal\/\">Legal<\/a><\/div><div><span class=\"x-anchor-text-primary\">&#8211;\u00a0<a href=\"\/th\/compliance\/\">Compliance<\/a><\/span><\/div><div>&#8211;\u00a0<a href=\"\/th\/complaints\/\">Complaints<\/a><\/div><div><span class=\"x-anchor-text-primary\">&#8211;\u00a0<a href=\"\/th\/privacy-policy\/\">Privacy policy<\/a><\/span><\/div><div><span class=\"x-anchor-text-primary\">&#8211;\u00a0<a href=\"\/th\/cookie-policy\/\">Cookie policy<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-8325878 disclaimer-content\" data-id=\"8325878\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b25c328 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b25c328\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Strong Customer Authentication<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1711a0d elementor-widget elementor-widget-text-editor\" data-id=\"1711a0d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Standard SCA<\/h4><ul><li>Reduce risk of fraud<\/li><li>Increase consumer trust<\/li><li>Grow competitor landscape<\/li><\/ul><p>WorldFirst remain committed to continue protecting customers against fraud and cybercrime.<\/p><p>With PSD2 casting a huge spotlight on the need to improve security in the payments space, \u2018strong customer authentication\u2019 (SCA) has been introduced as a key component in ensuring this happens. SCA provides consumer protection and aims to reduce the risk of unauthorised transactions and fraud. Along with open access, SCA is a core component of the Regulatory Technical Standards (RTS) introduced under PSD2.<\/p><p>Adding an extra layer of security onto the traditional username and password, two-factor authentication (2FA) is a crucial part of SCA. A common form of 2FA is the delivery of a one-time passcode that is sent to the mobile phone number associated to your account. Initially, WorldFirst delivered these codes by SMS. With standard SCA, you are required to enter your username and password along with a one-time passcode that is sent to the mobile phone number, associated with your account, via SMS.<\/p><h4>SCA at WorldFirst for our mobile platforms<\/h4><p>If you use one of our WorldFirst apps we will be asking you at login, when you add or manage a beneficiary or when you make a payment to use your biometrics (fingerprint or facial recognition).<\/p><p>If you have an older device that doesn\u2019t support biometrics you will be asked to enter your unique pass code.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b3b4e0 underline-remove-from-hyperlink elementor-widget elementor-widget-accordion\" data-id=\"9b3b4e0\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-accordion{text-align:start}.elementor-accordion .elementor-accordion-item{border:1px solid #d5d8dc}.elementor-accordion .elementor-accordion-item+.elementor-accordion-item{border-top:none}.elementor-accordion .elementor-tab-title{margin:0;padding:15px 20px;font-weight:700;line-height:1;cursor:pointer;outline:none}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{display:inline-block;width:1.5em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon svg{width:1em;height:1em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-right{float:right;text-align:right}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-left{float:left;text-align:left}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-closed{display:block}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-opened,.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-closed{display:none}.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-opened{display:block}.elementor-accordion .elementor-tab-content{display:none;padding:15px 20px;border-top:1px solid #d5d8dc}@media (max-width:767px){.elementor-accordion .elementor-tab-title{padding:12px 15px}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{width:1.2em}.elementor-accordion .elementor-tab-content{padding:7px 15px}}.e-con-inner>.elementor-widget-accordion,.e-con>.elementor-widget-accordion{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1621\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1621\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I avoid having to use 2FA on my WorldFirst account?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1621\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1621\"><p>Customers based in the EEA, who have signed up to WFUK T&amp;Cs or are affiliated or conduct business with an entity\/person within the EEA cannot opt-out of 2FA\/SCA.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1622\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1622\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Is Secure Customer Authentication via SMS secure?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1622\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1622\"><p>Yes. The use of Secure Customer Authentication (SCA) using SMS or voice is more secure than not having any form of SCA at all. Stealing information via SMS is significantly more difficult for cybercriminals.<\/p><p>If you\u2019re concerned about the risk of sim swap, we recommend that you download the Authy app which generates a Time-based One-Time Passcode (TOTP) for login.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can I avoid having to use 2FA on my WorldFirst account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Customers based in the EEA, who have signed up to WFUK T&amp;Cs or are affiliated or conduct business with an entity\\\/person within the EEA cannot opt-out of 2FA\\\/SCA.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Is Secure Customer Authentication via SMS secure?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes. The use of Secure Customer Authentication (SCA) using SMS or voice is more secure than not having any form of SCA at all. Stealing information via SMS is significantly more difficult for cybercriminals.<\\\/p><p>If you\\u2019re concerned about the risk of sim swap, we recommend that you download the Authy app which generates a Time-based One-Time Passcode (TOTP) for login.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e931b3 elementor-widget elementor-widget-text-editor\" data-id=\"9e931b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Login<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab47a19 underline-remove-from-hyperlink elementor-widget elementor-widget-accordion\" data-id=\"ab47a19\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1791\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1791\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How can I login with SCA?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1791\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1791\"><p>Upon login, you will need to authenticate yourself by entering your username and password. You should never share these credentials with anyone else.<\/p><p>You will then be asked to authenticate with a one-time code that will be delivered by SMS or the Authy App.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1792\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1792\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Logging in with SMS<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1792\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1792\"><p>If you are not registered with the Authy app, after you enter your username &amp; password, you will be presented with an additional screen, where you will be asked to enter a 6-digit code in order to finish the authentication process.<\/p><p>This code will be delivered via text message (SMS) and can also be delivered via text to voice on landlines for those in poor coverage areas*.<\/p><p>*subject to the functionality being supported by the national telephony infrastructure.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1793\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1793\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Logging with the Authy app<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1793\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1793\"><p>If you have the <a href=\"https:\/\/authy.com\/\" target=\"_blank\" rel=\"noopener\">Authy app<\/a> and have registered the same number that WorldFirst has on account, and have previously logged in successfully, you will be presented with an additional screen, where you will be asked to enter a 6-digit code in order to finish the authentication process.<\/p><p>This code will be delivered via the Authy app. This 6-digit code refreshes every 20 seconds. You can read the code from multiple Authy devices. Once you have Authy you will no longer receive an SMS each time you login, unless you manually select SMS as your method of verification. If you select SMS you should follow the steps above.<\/p><p><strong>Please note:<\/strong> for customers logging in the for the first time, if you have the Authy app, verification will still be sent via SMS. On subsequent logins, verifications will be sent to the app, unless you opt for SMS. For more information on the Authy app you can follow our guide.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1794\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1794\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Login with mobile apps<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1794\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1794\"><p>If you log into the WorldFirst Money Transfer App or the International Collections Account App (formerly the World Account App) you will be required to enter the username and password that you use to login to our online platform.<\/p><p>You will then receive an SMS to the verified phone number set up on the online platform to login. Following this, you will need to create a unique pin and\/or enable biometrics for any subsequent logins.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How can I login with SCA?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Upon login, you will need to authenticate yourself by entering your username and password. You should never share these credentials with anyone else.<\\\/p><p>You will then be asked to authenticate with a one-time code that will be delivered by SMS or the Authy App.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Logging in with SMS\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If you are not registered with the Authy app, after you enter your username &amp; password, you will be presented with an additional screen, where you will be asked to enter a 6-digit code in order to finish the authentication process.<\\\/p><p>This code will be delivered via text message (SMS) and can also be delivered via text to voice on landlines for those in poor coverage areas*.<\\\/p><p>*subject to the functionality being supported by the national telephony infrastructure.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Logging with the Authy app\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If you have the <a href=\\\"https:\\\/\\\/authy.com\\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Authy app<\\\/a> and have registered the same number that WorldFirst has on account, and have previously logged in successfully, you will be presented with an additional screen, where you will be asked to enter a 6-digit code in order to finish the authentication process.<\\\/p><p>This code will be delivered via the Authy app. This 6-digit code refreshes every 20 seconds. You can read the code from multiple Authy devices. Once you have Authy you will no longer receive an SMS each time you login, unless you manually select SMS as your method of verification. If you select SMS you should follow the steps above.<\\\/p><p><strong>Please note:<\\\/strong> for customers logging in the for the first time, if you have the Authy app, verification will still be sent via SMS. On subsequent logins, verifications will be sent to the app, unless you opt for SMS. For more information on the Authy app you can follow our guide.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Login with mobile apps\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If you log into the WorldFirst Money Transfer App or the International Collections Account App (formerly the World Account App) you will be required to enter the username and password that you use to login to our online platform.<\\\/p><p>You will then receive an SMS to the verified phone number set up on the online platform to login. Following this, you will need to create a unique pin and\\\/or enable biometrics for any subsequent logins.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc7c11b elementor-widget elementor-widget-text-editor\" data-id=\"fc7c11b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Beneficiaries<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cfff9f underline-remove-from-hyperlink elementor-widget elementor-widget-accordion\" data-id=\"1cfff9f\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-3041\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-3041\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How can I make my beneficiaries trusted?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-3041\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-3041\"><p>Upon login, you will need to authenticate yourself by entering your username and password. You should never share these credentials with anyone else.<\/p><p>You will then be asked to authenticate with a one-time code that will be delivered by SMS or the Authy App.<\/p><h4>Trusting beneficiaries via SMS<\/h4><p>For customers not registered with Authy, your 6-digit code will be delivered via text message (SMS). This will not be the same 6-digit code you used to log in.<\/p><p>The SMS text message will also contain the beneficiary name that you are adding. SMS messages can also be delivered via text to voice on landlines for those in poor coverage areas.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-3042\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-3042\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What if I am unable to authenticate?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-3042\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-3042\"><p>If you are unable to successfully authenticate by SMS or the Authy app then the beneficiary will be saved as \u2018untrusted\u2019.<\/p><p>You will need to re-authenticate using SCA (SMS or Authy) to make the beneficiary trusted.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How can I make my beneficiaries trusted?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Upon login, you will need to authenticate yourself by entering your username and password. You should never share these credentials with anyone else.<\\\/p><p>You will then be asked to authenticate with a one-time code that will be delivered by SMS or the Authy App.<\\\/p><h4>Trusting beneficiaries via SMS<\\\/h4><p>For customers not registered with Authy, your 6-digit code will be delivered via text message (SMS). This will not be the same 6-digit code you used to log in.<\\\/p><p>The SMS text message will also contain the beneficiary name that you are adding. SMS messages can also be delivered via text to voice on landlines for those in poor coverage areas.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What if I am unable to authenticate?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If you are unable to successfully authenticate by SMS or the Authy app then the beneficiary will be saved as \\u2018untrusted\\u2019.<\\\/p><p>You will need to re-authenticate using SCA (SMS or Authy) to make the beneficiary trusted.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6519f88 elementor-widget elementor-widget-text-editor\" data-id=\"6519f88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Payments<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b551eed underline-remove-from-hyperlink elementor-widget elementor-widget-accordion\" data-id=\"b551eed\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1901\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1901\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How do I authenticate a payment?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1901\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1901\"><h4>Payment authentication via SMS:<\/h4><p>There will be an additional screen, where you will be asked to enter a 6-digit code in order to finish the authentication process<\/p><p>This will be delivered via SMS text message (it can also be delivered via text to voice on landlines* for those in poor coverage areas) .<\/p><p>The SMS text message will feature additional information:<\/p><ul><li>If you are instructing a single payment it will include the total amount you are paying and the full name of the beneficiary<\/li><li>If you are instructing multiple payments, you will see the total sum amount you are paying and the sum of the beneficiaries you are paying<\/li><\/ul><p>*Subject to the national telephony infrastructure in your location supporting this functionality<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1902\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1902\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What if I am unable to authenticate via SMS?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1902\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1902\"><p>Unfortunately, if you are unable to successfully authenticate a payment using SMS then that deal will not be booked, and no payment will be made.<\/p><p>You will either need to re-authenticate using SCA or <a href=\"\/uk\/help-support\/contact-us\/\" target=\"_blank\" rel=\"noopener\">contact your account manager<\/a> to book a telephone deal.<\/p><p>No payment can be made online without successful strong customer authentication.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How do I authenticate a payment?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<h4>Payment authentication via SMS:<\\\/h4><p>There will be an additional screen, where you will be asked to enter a 6-digit code in order to finish the authentication process<\\\/p><p>This will be delivered via SMS text message (it can also be delivered via text to voice on landlines* for those in poor coverage areas) .<\\\/p><p>The SMS text message will feature additional information:<\\\/p><ul><li>If you are instructing a single payment it will include the total amount you are paying and the full name of the beneficiary<\\\/li><li>If you are instructing multiple payments, you will see the total sum amount you are paying and the sum of the beneficiaries you are paying<\\\/li><\\\/ul><p>*Subject to the national telephony infrastructure in your location supporting this functionality<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What if I am unable to authenticate via SMS?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Unfortunately, if you are unable to successfully authenticate a payment using SMS then that deal will not be booked, and no payment will be made.<\\\/p><p>You will either need to re-authenticate using SCA or <a href=\\\"\\\/uk\\\/help-support\\\/contact-us\\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">contact your account manager<\\\/a> to book a telephone deal.<\\\/p><p>No payment can be made online without successful strong customer authentication.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33908c9 elementor-widget elementor-widget-text-editor\" data-id=\"33908c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Further FAQs<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b56bb56 underline-remove-from-hyperlink elementor-widget elementor-widget-accordion\" data-id=\"b56bb56\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1901\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1901\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Will things change in the near future?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1901\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1901\"><p>Account security is something we all take very seriously and must continually develop, review and improve.<\/p><p>We are already starting to investigate alternative methods for authentication to make managing your account even more convenient without compromising on security.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1902\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1902\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">I live in an area with poor mobile phone coverage, how can I receive my SMS text message?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1902\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1902\"><p>If you cannot authenticate with SMS or telephony, <a href=\"https:\/\/authy.com\/\" target=\"_blank\" rel=\"noopener\">download the Authy App<\/a> and authenticate via internet access on your mobile, tablet or desktop.<\/p><p>You can download Authy App with SMS (telephony not yet available).<\/p><p>Once you have the Authy App available then you can authenticate on multiple devices.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1903\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1903\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How do I inform WorldFirst that I have a new phone number for SMS authentication?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1903\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1903\"><p>Log into your account with your existing device and enter your new number under your profile settings.<\/p><p>You will first receive an SMS with a 6-digit code to your existing device before you then receive an SMS with a new 6-digit code on your new device to verify your new number.<\/p><p>All new SCA codes will now be sent to your new mobile phone number.<\/p><p>In the case of theft or loss with your existing verified device please contact your dedicated account manager to inform them of any change to your mobile number.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Will things change in the near future?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Account security is something we all take very seriously and must continually develop, review and improve.<\\\/p><p>We are already starting to investigate alternative methods for authentication to make managing your account even more convenient without compromising on security.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"I live in an area with poor mobile phone coverage, how can I receive my SMS text message?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If you cannot authenticate with SMS or telephony, <a href=\\\"https:\\\/\\\/authy.com\\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">download the Authy App<\\\/a> and authenticate via internet access on your mobile, tablet or desktop.<\\\/p><p>You can download Authy App with SMS (telephony not yet available).<\\\/p><p>Once you have the Authy App available then you can authenticate on multiple devices.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How do I inform WorldFirst that I have a new phone number for SMS authentication?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Log into your account with your existing device and enter your new number under your profile settings.<\\\/p><p>You will first receive an SMS with a 6-digit code to your existing device before you then receive an SMS with a new 6-digit code on your new device to verify your new number.<\\\/p><p>All new SCA codes will now be sent to your new mobile phone number.<\\\/p><p>In the case of theft or loss with your existing verified device please contact your dedicated account manager to inform them of any change to your mobile number.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Related content &#8211;\u00a0Legal&#8211;\u00a0Compliance&#8211;\u00a0Complaints&#8211;\u00a0Privacy policy&#8211;\u00a0Cookie policy Strong Customer Authentication Standard SCA Reduce risk of fraud Increase consumer trust Grow competitor landscape WorldFirst remain committed to continue protecting customers against fraud and cybercrime. With PSD2 casting a huge spotlight on the need to improve security in the payments space, \u2018strong customer authentication\u2019 (SCA) has been introduced as [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":0,"parent":6404,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PSD2: Strong Customer Authentication | WorldFirst TH<\/title>\n<meta name=\"description\" content=\"With PSD2 casting a huge spotlight on the need to improve security in the payments space, \u2018strong customer authentication\u2019 (SCA) has been introduced as a key component in ensuring this happens.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.worldfirst.com\/th\/compliance\/strong-customer-authentication\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Strong Customer Authentication\" \/>\n<meta property=\"og:description\" content=\"With PSD2 casting a huge spotlight on the need to improve security in the payments space, \u2018strong customer authentication\u2019 (SCA) has been introduced as a key component in ensuring this happens.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.worldfirst.com\/th\/compliance\/strong-customer-authentication\/\" \/>\n<meta property=\"og:site_name\" content=\"WorldFirst TH\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-01T12:17:47+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script 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