V-SCA® Request information
Compliance & Ecosystem Alignment

Designed to align
with existing payment authentication frameworks

V-SCA is positioned as a complementary framework intended to support strong authentication in assisted, voice-assisted and remote payment environments, while remaining compatible with current ecosystem structures, issuer mechanisms and market expectations.

Positioning summary

  • Built to operate within existing payment authentication ecosystems rather than outside them.
  • Designed for issuer, PSP and scheme compatibility across remote and assisted journeys.
  • Structured to extend strong authentication narratives to environments where human interaction still matters.
  • Publicly presented at framework level only, without disclosing proprietary implementation details.
Framework stance
Complementary by design

V-SCA is introduced as an alignment layer for real-world commerce, not as an alternative payment standard.

Primary relevance
Assisted & voice-driven commerce

Particularly relevant where live interactions, reassurance and transaction confidence must coexist.

Public posture
Controlled disclosure

High-level principles and ecosystem compatibility can be discussed publicly; technical methods remain confidential.

PSD2 / SCA alignment

Supporting Strong Customer Authentication in assisted journeys

V-SCA is designed to support the practical application of strong authentication principles in contexts where remote transactions remain guided, conversational or human-mediated.

Why this matters

Most strong authentication narratives focus on self-service apps and browser journeys. However, assisted interactions introduce different operational constraints, such as maintaining a dialogue, reassuring customers and ensuring real-time transaction confidence.

  • Supports high-assurance positioning in live payment interactions.
  • Preserves the logic of multi-factor authentication in non self-service environments.
  • Extends the conversation around SCA applicability beyond screen-first user journeys.
V-SCA broadens the scope of SCA to include journeys that are not self-service.

A framework for real-world payment interactions

V-SCA is designed to support strong authentication in environments where payments are not purely digital, but involve live human interaction.

In call centers, telesales and assisted commerce journeys, authentication must coexist with conversation, trust and real-time decision making.

Extending existing standards

V-SCA builds on established authentication frameworks such as EMV 3DS and SCA, extending their applicability to voice-assisted and human-mediated contexts.

Bridging a structural gap

It provides a structured approach to authentication in scenarios where traditional self-service models are not fully adapted.

EMV 3DS ecosystem

Leveraging existing EMV 3DS infrastructure

V-SCA is positioned to operate within the existing EMV 3DS ecosystem, including challenge and out-of-band mechanisms already familiar to issuers, PSPs and scheme stakeholders.

Alignment logic

  • Operates within established challenge and out-of-band authentication patterns.
  • Supports issuer-led authentication postures and existing decisioning structures.
  • Allows V-SCA to be discussed as an extension layer for new use cases rather than a replacement.
V-SCA is not an alternative to 3DS ! It's an extension layer for assisted use cases.

Why this is strategically important

The credibility of V-SCA depends on its ability to speak the language of existing payment infrastructures. A framework that aligns with familiar issuer and scheme mechanisms can be evaluated more seriously than a standalone model disconnected from market reality.

This is particularly relevant when discussing secure authentication in channels where current public narratives remain underdeveloped.

Assisted & MOTO environments

Bringing stronger structure to historically weaker channels

Voice and assisted payment journeys often remain commercially important, yet they are frequently discussed through authentication models that were not designed for live guided interaction.

Operational reality

  • Call centers, telesales and support teams often handle complex, urgent or trust-sensitive transactions.
  • Traditional low-assurance phone payment narratives leave a visible confidence gap.
  • Authentication that fractures the conversation can reduce trust, conversion and operational clarity.

V-SCA relevance

  • Supports a stronger authentication posture in assisted payment contexts.
  • Helps reduce reliance on weakly structured remote payment narratives.
  • Provides a more institutionally credible story for voice-assisted and call-center commerce.
V-SCA brings Strengthening authentication where confidence is needed most.
Transaction integrity

From isolated authentication to contextual integrity

The strategic value of V-SCA lies not only in the authentication event itself, but in the structured relation between the live interaction and the authentication process.

Correlation-driven approach

  • Introduces a correlation layer between the assisted interaction and the authentication session.
  • Reinforces transaction integrity without requiring public disclosure of proprietary internal logic.
  • Supports stronger confidence in the legitimacy and continuity of the payment journey.

Risk posture

  • Helps address risks such as session hijacking or man-in-the-middle disruption at narrative level.
  • Supports a more contextual understanding of authentication in assisted commerce.
  • Allows security, reassurance and operational realism to coexist in live interactions.
V-SCA Reinforce transaction integrity through interaction-aware authentication.
Regulatory posture

A complementary framework approach

V-SCA is designed to complement existing regulatory and scheme frameworks, not to supersede them.

V-SCA is ...

  • Designed to align with market expectations for security, interoperability and compliance.
  • Structured to support issuer, PSP and scheme dialogue around assisted authentication journeys.
  • Compatible in narrative terms with existing remote authentication ecosystems.
Stakeholder questions

Frequently expected discussion points

The following answers are drafted for high-level ecosystem dialogue and should be adapted depending on the profile of the organization, the use case and the confidentiality level of the conversation.

Is V-SCA intended to replace EMV 3DS?

No. V-SCA is positioned to operate within existing authentication ecosystems and may leverage established challenge and out-of-band patterns where relevant. The framework is presented as an extension layer for assisted environments, not as a replacement standard.

Is V-SCA a formal regulatory certification?

V-SCA is not a certification scheme.
It is a patented authentication framework designed to provide a structured and technically robust approach to strong customer authentication in voice-assisted payment environments.
The model has been specifically engineered to align with the requirements of PSD2 SCA and existing ecosystem standards such as EMV 3-D Secure, while addressing the long-standing gap in securing human-assisted transactions (e.g., call centers).
V-SCA therefore represents a coherent and operational interpretation of existing regulatory expectations, which may be assessed, adopted, or integrated by ecosystem stakeholders depending on their own validation frameworks.

Why is this particularly relevant for voice and call-center commerce?

Because many assisted payment journeys require security, continuity and reassurance to coexist within a live conversation. These environments are commercially important yet remain underrepresented in mainstream authentication narratives.

What is publicly disclosed?

Only framework-level positioning, ecosystem relevance and high-level alignment principles. Operational details, patented methods and implementation logic remain subject to controlled disclosure.

Next step

Open the discussion with qualified ecosystem stakeholders

A more detailed institutional overview may be shared selectively depending on organization profile, payment role and strategic relevance.

Request documentation Read the principles