{"id":1766,"date":"2019-08-13T18:52:00","date_gmt":"2019-08-13T16:52:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=1766"},"modified":"2026-08-06T23:43:46","modified_gmt":"2026-08-06T21:43:46","slug":"dnb-additional-time-strong-customer-authentication","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/dnb-additional-time-strong-customer-authentication\/","title":{"rendered":"DNB provides update on additional time for strong customer authentication"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">On 8 August, following similar announcements by other national supervisors, De Nederlandsche Bank (DNB) announced its intention to allow limited additional time beyond 14 September 2019 for market participants that had been unable to prepare for the introduction of strong customer authentication (<em>Strong Customer Authentication<\/em>, or SCA) for credit card transactions in time.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/shutterstock_107010533.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Office worker with debit card in hand is looking at tablet for online payment, with coffee, smartphone and documents on the desk.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/shutterstock_107010533.jpg 1000w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/shutterstock_107010533-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/shutterstock_107010533-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">How much additional time will be allowed has not yet been determined; more information will follow later this year. DNB says that, together with the European Banking Authority (EBA), it aims to achieve a uniform migration to SCA for credit card transactions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The background to DNB&#8217;s announcement is that, on 21 June 2019, the EBA <a href=\"https:\/\/www.eba.europa.eu\/publications-and-media\/press-releases\/eba-publishes-opinion-elements-strong-customer-authentication\">published an opinion on the application of SCA <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. The opinion also addresses possible transitional issues caused by insufficiently timely preparation among various market participants, such as <em>card schemes<\/em> and <em>merchants<\/em>. These transitional issues could be harmful to both credit card holders and credit card merchants. The EBA opinion therefore allows competent supervisory authorities to grant market participants limited additional time to introduce SCA. The statutory implementation date for the <em>Regulatory Technical Standards<\/em> on SCA remains unchanged at 14 September 2019.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A condition for any extension is that the market participant concerned must draw up a sound plan with clear timelines. Relevant parties in the credit card ecosystem\u2014including <em>card schemes<\/em>, <em>card issuers<\/em> and <em>acquirers<\/em>, credit card processors, the Dutch Consumers&#8217; Association and Thuiswinkel.org\u2014have asked the Dutch Payments Association to work with them to <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/double-verification\/\">draw up the Dutch SCA Migration Plan and coordinate its implementation<\/a>, subject to DNB&#8217;s approval.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Questions can be sent to <a href=\"mailto:sca-migration@betaalvereniging.nl\">sca-migration@betaalvereniging.nl<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>DNB intends to allow limited additional time for market participants implementing strong customer authentication for credit card transactions.<\/p>\n","protected":false},"author":7,"featured_media":1767,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20],"btv_subject_tax":[10,19],"class_list":["post-1766","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","btv_subject_tax-digital-identity","btv_subject_tax-payment-standards"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Extra tijd voor de invoering van SCA: Belangrijke updates - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"De Nederlandsche Bank biedt extra tijd voor de invoering van SCA. 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