LoginRadius Strong Customer Authentication (SCA) Product Sheet

Replace weak SMS OTPs with a structured authentication framework that combines multi-factor authentication with cryptographic dynamic linking, ensuring every authentication event is explicitly tied to a specific transaction context.
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Key Benefits of Strong Customer Authentication (SCA)

Stronger Fraud Resistance

Stronger Fraud Resistance

Significantly reduce exposure to account takeover (ATO) and transaction manipulation by replacing SMS-based authentication with device-bound Push MFA and Passkeys.
Chargeback Liability Alignment

Chargeback Liability Alignment

Proper SCA enforcement supports regulatory liability shifts for fraudulent transactions, drastically reducing financial exposure for merchants and platforms.
Reduced User Friction

Reduced User Friction

Utilize modern authentication methods, such as biometrics, to streamline the user verification process without sacrificing strong security controls.
Regulatory Readiness

Regulatory Readiness

Aligning your platform with PSD2 SCA requirements ensures you meet the evolving global standards for open banking and data protection.

Why LoginRadius

Cryptographic Dynamic Linking

Cryptographic Dynamic Linking

Pair a user’s MFA approval directly to the specific payment amount and payee on the backend using unique, server-generated linking_ids. If any transaction details are altered mid-checkout, the authentication state is automatically invalidated.
Isolated Back-Channel Authorization

Isolated Back-Channel Authorization

Keep sensitive payment metadata out of front-channel browser URLs. By using Pushed Authorization Requests (PAR), transaction parameters are securely transmitted exclusively through backend channels.
Rich Transaction Context

Rich Transaction Context

Use Rich Authorization Requests (RAR) to inject structured transaction payloads—such as the amount, currency, and payee identifiers—straight into the authorization flow.
Risk-Engineered Identity Orchestration

Risk-Engineered Identity Orchestration

Visually map user journeys and run custom serverless evaluation scripts to dynamically assess risk contexts against external engines before prompting additional verification.

See What Others Have to Say

BroadcastMedDouble Quote
LoginRadius’ understanding of identity management in the complex digital space is uniquely complementary to our core requirement. We approached the CIAM giant to build a robust healthcare data protection program where patient information and admin accounts remain secured and are only accessible by the authorized person.
profile
Matt Curylo
Associate Vice President of UX at BroadcastMed
CBCDouble Quote
I felt like I got a lot of help from a whole group of people and that there was never a lag in response time. Thanks for helping me get to the bottom of that issue.
profile
Elizabeth Melito
Product Owner at CBC
C-QuenceDouble Quote
The less we hear about it, the more satisfied we are. After using LoginRadius, we do not see the authentication process as a barrier at all.
profile
Elliot Biggs
Chief Information Officer at C-Quence
SafebridgeDouble Quote
Methodical and customer-focused, LoginRadius was the perfect partner for the company-wide, integrated, tailor-made solution we needed. Excellent communication, comprehensive documentation, and a very professional approach; LoginRadius is the team for the job.
profile
Ralph Becker-Heins
Chief Executive Officer at Safebridge
BroadcastMedDouble Quote
LoginRadius’ understanding of identity management in the complex digital space is uniquely complementary to our core requirement. We approached the CIAM giant to build a robust healthcare data protection program where patient information and admin accounts remain secured and are only accessible by the authorized person.
profile
Matt Curylo
Associate Vice President of UX at BroadcastMed
CBCDouble Quote
I felt like I got a lot of help from a whole group of people and that there was never a lag in response time. Thanks for helping me get to the bottom of that issue.
profile
Elizabeth Melito
Product Owner at CBC
C-QuenceDouble Quote
The less we hear about it, the more satisfied we are. After using LoginRadius, we do not see the authentication process as a barrier at all.
profile
Elliot Biggs
Chief Information Officer at C-Quence
SafebridgeDouble Quote
Methodical and customer-focused, LoginRadius was the perfect partner for the company-wide, integrated, tailor-made solution we needed. Excellent communication, comprehensive documentation, and a very professional approach; LoginRadius is the team for the job.
profile
Ralph Becker-Heins
Chief Executive Officer at Safebridge
BroadcastMedDouble Quote
LoginRadius’ understanding of identity management in the complex digital space is uniquely complementary to our core requirement. We approached the CIAM giant to build a robust healthcare data protection program where patient information and admin accounts remain secured and are only accessible by the authorized person.
profile
Matt Curylo
Associate Vice President of UX at BroadcastMed
CBCDouble Quote
I felt like I got a lot of help from a whole group of people and that there was never a lag in response time. Thanks for helping me get to the bottom of that issue.
profile
Elizabeth Melito
Product Owner at CBC
C-QuenceDouble Quote
The less we hear about it, the more satisfied we are. After using LoginRadius, we do not see the authentication process as a barrier at all.
profile
Elliot Biggs
Chief Information Officer at C-Quence
SafebridgeDouble Quote
Methodical and customer-focused, LoginRadius was the perfect partner for the company-wide, integrated, tailor-made solution we needed. Excellent communication, comprehensive documentation, and a very professional approach; LoginRadius is the team for the job.
profile
Ralph Becker-Heins
Chief Executive Officer at Safebridge

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