Trust
Support stronger confidence in high-risk and remote transaction flows.
V-SCA®
Voice Strong Customer Authentication for Secure Remote Payments
Extending 3DS for voice payment environments
New generation authentication standard
for remote payments.
Designed to support secure, friction-aware and compliant authentication journeys across digital, assisted and omnichannel payment environments, V-SCA provides a high-level framework for stronger trust in remote transaction approval.
Built for remote commerce
Designed for interoperability
Compliance-oriented by design
What is it ?
What is V-SCA?
V-SCA (Voice Strong Customer Authentication)
is a next-generation authentication framework
designed to secure Voice payments...
Authentication must become stronger without becoming heavier.
Digital payments face an increasing tension between regulatory expectations, fraud resistance and user experience. V-SCA aims to define a framework capable of reconciling these priorities in remote and assisted payment scenarios.
Continuity
Help create consistent authentication experiences across channels and contexts.
Scalability
Enable an approach that can integrate with broader payment ecosystems and operational models.
Core principles
A high-level standard, not an exposed technical recipe.
This public presentation of V-SCA focus on principles, objectives and compatibility ambitions, while preserving proprietary implementation details.
Public positioning points
- Strong customer authentication approach for remote payments
- Framework-oriented design for interoperability
- Adaptive and context-aware validation logic
- Suitable for assisted, digital and omnichannel journeys
- Alignment with market expectations for compliance and security
Use cases
Designed for modern payment environments.
V-SCA can be introduced across a wide range of remote, assisted, or hybrid authentication journeys including voice-assisted transactions, payment-by-link flows, customer support interactions, and deferred or fallback authentication scenarios.
V-SCA integrates as an additional authentication layer that enhances trust, enables real-time user verification, and supports regulatory compliance, while preserving a smooth and controlled customer experience. Its flexible architecture allows deployment across multiple channels and touchpoints, making it suitable for merchants, PSPs, financial institutions, and service providers seeking to secure transactions without compromising conversion rates.
Remote payments
Authentication flows supporting card-not-present and pay-by-link experiences.
Assisted commerce
Relevant for customer support, telesales and guided payment interactions.
Omnichannel journeys
Built for interactions spanning mobile, browser, voice and terminal-assisted contexts.
Ecosystem
A framework intended for issuers, acquirers, PSPs, merchants and technology partners.
V-SCA is positioned as an ecosystem-layer initiative. The public site can therefore speak to market participants, early partners and institutions interested in interoperability, compliance and future certification pathways.