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To reduce online fraud, the EU Payments Services Directive 2 (PSD2) now requires Strong Customer Authentication (SCA) to be used for all electronic transactions.This requires all online providers to capture additional cardholder data and send to the cardholders bank. As a result, a new page has been added to the online enrollment process to capture such cardholder data. The cardholders bank will validate this against the data they have for the cardholder and determine if the cardholder needs further authentication when processing their transaction, and if so, what that authentication will entail. In the event of further authentication being required, cardholders will need to contact their bank should they require assistance.