6.2 Challenge flow

In a challenge flow, the issuer requires additional shopper interaction, either through biometrics, two-factor authentication, or similar methods based on SCA authentication factors.

Application scenarios of Challenge Flow

• High-risk transactions: When transaction data is insufficient to determine the controllability of the transaction, the issuer will require the cardholder to undergo additional identity verification.
• Compliance requirements: Challenge Flow helps merchants and issuers comply with various regulatory requirements, including Europe's PSD2.