Contactless Payments and SCA (Strong Customer Authentication)

Contactless Payments and SCA (Strong Customer Authentication)

For many people the introduction of SCA in September 2019 was only noticed when contactless transactions would start to mysteriously be declined, prompting the customer instead to make a chip and pin payment.

Due to rising fraud rates for primarily online transactions, the European Commission introduced the EU Payments Services Directive (PSD2) in January 2018. A key component of this was SCA, which lowered the amounts for transactions to be considered risky enough to require more authentication than just a card.

As of September 2019, the new regulations became enforced and a far greater number of transactions became subject to additional checks. But what does this mean for unattended contactless payments? Surely low value transactions would be exempt?

Actually no. Low value transactions are less strictly regulated, but once contactless payments either exceed €100 in sequential uses, or the number of individual uses reaches 5, the next transaction will be subject to SCA, which means in most cases, will require a chip and pin transaction instead.

This means that to achieve the best possible coverage for unattended cashless payments, you should look to add chip and pin to your payment options. By covering both bases, in the event that your customer hits the limit for unsecured contactless transactions, either in amount or number of uses, you’ll still be able to accept their payment.

Think cashless, not just contactless, and you won’t lose out to SCA.

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Our experience goes back two decades, with a foundation building and providing critical digital services and products for the financial services and retail industries.

With a long-proven ability to handle challenging projects and a team of trusted experts, we work hard to solve problems and deliver change that helps others.

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Attract Loop

Part of the Donation Station’s key visual design features, the Attract Loop are screensavers purposefully designed to run on a loop. Created by GWD with your input, they use visuals or photography, plus an emotive call to action, to catch the donors interest and lead them towards donation through interactive storytelling.


The entire Donation Station is open to branding, from external display to on-screen logos, photography and your brand look and feel.

Our design support service can adapt visuals and graphics to suit your brand.

Wifi or 4G/5G Data SIM

Where you need it, the Donation Station can be supplied with Data or Wifi connectivity.

If using the device in a remote location or at an event, it’s worth considering the signal strength available – GWD can support you to ensure there’s a smooth running operation on the day.

Cause Awareness

The opportunity to engage further with donors and grow your cause awareness through messaging.

We’ve designed the user journey to allow for interactive storytelling, to capture interest and guide the donor towards this goal.

Safe & Secure

All data is transmitted with full encryption, so you can be sure that all individual donor data is safely used, in accordance with GDPR regulations.

Choice of Donations

Giving choice on where the donor wants their money to be spent empowers them further. The Donation Station asks this question and gives charities freedom to present their causes and activities as separate campaigns.

Gift Aid Up Sell

An integrated Gift Aid function on all Donation Stations helps boost fundraising a further 25%. This tax relief can be claimed from HRMC from any donor that supplies their contact details and makes a declaration, as a UK tax payer. The Donation Station is designed to encourage and secure this additional fundraising income easily, through simple reports that can be downloaded and submitted to HMRC as part of a Gift Aid claim.