Frequently Asked Questions

Payment authentication

What is Strong Customer Authentication (SCA)?

Strong Customer Authentication (SCA), as mandated by the EU’s Revised Payment Services Directive (PSD2), requires payment service providers to authenticate digital payments.

SCA, also known as 3D Secure, is a multi-factor authentication that adds an extra layer of security to digital payments to reduce fraud. It asks you to authenticate your payment using PIN, password, or biometrics.

At Western Union, to meet the SCA requirements, we use multi-factor authentication to secure your online transfers.

Why wasn’t my authentication successful?

Western Union uses Strong Customer Authentication (SCA) to secure online payments. To successfully authenticate your payment, please be sure of the following:

  • Your card or bank account is registered for SCA (3D Secure). If not, contact your card issuer or register it through your online banking portal.
  • Your contact information is up to date with your bank and Western Union.
  • You enter your PIN or password accurately.

Please note that you can also pay for your money transfers using alternative methods. We’ll show your payment options when you start an online transfer.


Can’t find what you are looking for?

If you need to get in touch with Western Union, don’t hesitate to contact our Customer Care