Strong Customer Authentication {#vas-adobe-commerce-sca}
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Payer Authentication (`3-D Secure`) is used for Strong Consumer Authentication (SCA) in e-commerce payments. Some card issuers require cardholders to authenticate with a `3-D Secure` challenge when saving their card with a merchant. If you operate in a region where this is common, you can enable this setting to require a challenge each time a customer saves a card. To enforce SCA, choose `Yes` in the Enforce Strong Customer Authentication setting in the admin configuration panel.  
If SCA is not enforced and an issuer requires it, this extension replays the transaction and requests the challenge.
![Strong Customer Authentication Configuration](/content/dam/documentation/cybs/en-us/topics/isv/platform/vas-adobe-commerce/images/vas-adobe-commerce-sca.png/jcr:content/renditions/original)