Strong Customer Authentication vs Basic Authentication
Developers should learn SCA when building or maintaining payment systems, e-commerce platforms, or financial applications that handle transactions in the EU or similar regulated markets, as compliance is legally required to avoid penalties and ensure secure operations meets developers should learn basic authentication for quick prototyping, testing apis, or in scenarios where simplicity and broad compatibility are prioritized over high security, such as internal tools or legacy systems. Here's our take.
Strong Customer Authentication
Developers should learn SCA when building or maintaining payment systems, e-commerce platforms, or financial applications that handle transactions in the EU or similar regulated markets, as compliance is legally required to avoid penalties and ensure secure operations
Strong Customer Authentication
Nice PickDevelopers should learn SCA when building or maintaining payment systems, e-commerce platforms, or financial applications that handle transactions in the EU or similar regulated markets, as compliance is legally required to avoid penalties and ensure secure operations
Pros
- +It's crucial for implementing secure authentication flows, integrating with payment gateways like Stripe or Adyen that support SCA, and understanding regulatory impacts on user experience and system design
- +Related to: psd2, multi-factor-authentication
Cons
- -Specific tradeoffs depend on your use case
Basic Authentication
Developers should learn Basic Authentication for quick prototyping, testing APIs, or in scenarios where simplicity and broad compatibility are prioritized over high security, such as internal tools or legacy systems
Pros
- +It is commonly used in conjunction with HTTPS to encrypt the credentials in transit, making it suitable for low-risk applications or as a fallback mechanism in multi-factor authentication setups
- +Related to: https, oauth-2
Cons
- -Specific tradeoffs depend on your use case
The Verdict
Use Strong Customer Authentication if: You want it's crucial for implementing secure authentication flows, integrating with payment gateways like stripe or adyen that support sca, and understanding regulatory impacts on user experience and system design and can live with specific tradeoffs depend on your use case.
Use Basic Authentication if: You prioritize it is commonly used in conjunction with https to encrypt the credentials in transit, making it suitable for low-risk applications or as a fallback mechanism in multi-factor authentication setups over what Strong Customer Authentication offers.
Developers should learn SCA when building or maintaining payment systems, e-commerce platforms, or financial applications that handle transactions in the EU or similar regulated markets, as compliance is legally required to avoid penalties and ensure secure operations
Disagree with our pick? nice@nicepick.dev