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Strong Customer Authentication (SCA) requires an extra step (usually 3D Secure) for authenticating European card payments — Wodify supports this flow so your customers’ card payments meet PSD2 requirements and reduce declines for bank-required verification.

Pre-requisite Pro-Tip

Make sure your Billing Contact and customers have valid email addresses on file — SCA authorizations are commonly sent by email.

Pro-Tip for staff: When adding a payment method for a client, choose “On their device” (recommended) so the client receives the authorization email on their phone/email instead of you handling any sensitive bank interactions. If you select “On this device” the client must be physically present and ready to log into bank authentication pages if requested.

Step-By-Step How SCA Works & How to Complete Authorizations

For Clients — Authorizing a Payment (Email flow)

1. You’ll receive an email titled “You have a pending payment at …” from Wodify.

2. Open the email and click Authorize Payment.

3. Your bank will present an authentication step (this varies by bank). Typical flows include:

   • A one-time passcode (SMS)

   • A bank app approval screen

   • An authentication webpage to enter a password or code

4. Complete the bank’s authentication steps. When authentication succeeds, the payment is authorized.

5. Note: The exact prompt and steps depend on your bank — the message and required action will vary.

    

For Business Owners / Staff — Adding a Payment Method or Charging a Client

When you add a payment method or manually charge a client, Wodify may prompt you to complete SCA. This can happen in several places in Admin/Coachboard:

• Point of Sale (POS)

• +New Payment Method on a client’s profile

• Drop-in Payments on the Coachboard

• Manually paying an invoice

Recommended flow when prompted

1. Choose On their device (recommended). Wodify will send the client an email with a link to authorize the payment — the client completes SCA on their own device.

2. If the client is present and you need to authenticate immediately, choose On this device. Be aware: this may require the client to log in to their bank (or otherwise provide secure verification) while present. Use this only if the client is with you and comfortable performing bank authentication on your device.

3. Follow the on-screen prompts in Wodify. If the bank requires interaction, complete the steps as guided (or ask the client to complete them on their device).

4. After successful authentication, the payment will proceed. If authentication fails, retry or have the client update their payment method.

    

What to Expect / Important Notes

• SCA triggers vary by bank. Some cards/banks will request SCA for the first card use, for certain transaction types, or when risk rules require it.

• Do not ask for bank passwords. Banks may require login to a bank app or one-time codes — never request a customer’s banking credentials to be handed to staff. If On this device is used, the client should enter any required information themselves.

• Recommended default: Use On their device unless you have a specific reason to authenticate on the staff device.

• Failure handling: If authorization fails, the customer may need to contact their bank or provide an alternate card. The exact failure reason is provided by the bank and varies by issuer.

• Privacy & security: These flows are bank-controlled authentication mechanisms (3D Secure) which improve fraud protection — treat them as part of safe payments handling.

   

FAQs

Who receives the SCA authorization email and when? The client whose card was added or is being charged receives the SCA email (if On their device is selected). That email appears whenever the bank or card network requires SCA for the transaction. The exact timing and appearance vary by issuer.

I selected “On this device” and now the bank asks for login information — what should I do? The client must enter any required bank credentials or codes themselves. Do not ask a client to give you their bank username/password to enter. If the client is uncomfortable, switch to On their device so they can complete authentication privately.

A payment failed after authorization was requested — what now? First, confirm whether the client completed the bank’s authentication step. If they did and the charge still fails, ask the client to try another card or to contact their bank. As a staff member, you can retry the transaction in Wodify after the customer updates the payment method or confirms with their issuer.