---
title: SCA, 3DS and Passkeys, Explained | Yuno
description: "A 30-minute webinar on Strong Customer Authentication, 3DS2 and passkeys: what each market requires, which flows to use, and when SCA retry pays off."
image: https://landings.y.uno/hubfs/raw_assets/public/yuno-webinars/og/3ds-webinar-og-infocus-v2.png
---

infocus[by](https://www.y.uno)Payments, AI and tech, explained

Live webinar · Thursday, October 29

# Strong Customer Authentication, 3DS and Passkeys, Explained

Strong Customer Authentication, and the 3DS or passkey flows that put it into practice, change how your customers pay and how you adapt to each market’s rules. In this webinar, Antoine Cathelin shows how regulation led to 3DS2, what it changed in core markets, and how merchants can come out ahead.

8:30 AM PT11:30 AM ET4:30 PM CET**Duration** 30 min

![Antoine Cathelin](https://landings.y.uno/hubfs/antoine.png)

**Antoine Cathelin**Head of Product, Yuno

## Save your seat

Zoom sends the calendar invite. Everyone registered gets the recording.

The challenge

## SCA hides more complexity than it shows, and that complexity is where you can optimize.

Local practice runs from SCA compliance to cutting your 3DS2 costs. Get it right and you stay protected, pay less, and meet each regulator’s requirements. To optimize, you need to know what works on live traffic as well as on paper, and that takes knowing the ecosystem well enough to place the right bets.

So the real question is whether your setup meets each market’s rules while keeping performance where you want it.

What you will learn

## Four chapters in 30 minutes

00:00 → 30:00

Chapter 1

### The Strong Customer Authentication Landscape

How SCA evolved over time, and the major SCA regulations around the world.

Chapter 2

### The Authentication Flows You Can Use

3DS1 vs 3DS2, direct-to-authorization vs authentication first, frictionless vs challenge, 3DS vs passkeys. A clear overview of each flow and when it applies.

Chapter 3

### How SCA Changes the Rules in Europe

When authentication is mandatory, which exemptions exist, and why asking for one can backfire.

Chapter 4

### What Is SCA Retry, and When Should You Use It?

When an issuer declines a payment for missing authentication, retrying it with 3DS can recover the sale. Learn when that retry pays off.

Why it matters

## Every 3DS setup trades some conversion for protection

### Every Decision Has a Trade-off

How to tell whether liability shift applies to a given transaction.

### Local Regulatory Requirements

How to know each market’s requirements and adjust your payments to meet them.

### More Providers, More Variables

Routing across several providers protects approvals. Each provider, though, treats an existing authentication in its own way.

Who this is for

## Built for the people who own approval rates and chargebacks

Designed for Heads of Payments, payments and fraud managers, and the product and engineering leads behind checkout. It fits best if you route cards across several providers or sell to cardholders worldwide. If you have ever absorbed a chargeback on a payment you thought 3DS protected, this session explains why.

Head of PaymentsPayments OperationsFraud & RiskProduct & CheckoutEngineering

![Antoine Cathelin](https://landings.y.uno/hubfs/antoine.png)Your speaker

**Antoine Cathelin**Head of Product, Yuno

Your speaker

## Antoine Cathelin

Antoine is Head of Product at Yuno, with nearly 10 years of experience in payments. In this session, he walks through how 3DS works in practice, from the first authentication to the final authorization.

[Save your seat](https://landings.y.uno/3ds-webinar#register)

About Yuno

Yuno is the AI-native intelligence system of global payments and financial services — the neutral layer the whole ecosystem runs on: every provider, every rail, every market. Yuno does not own a rail, so it has no stake in which provider wins a transaction. Orchestration is the base: protection, authentication, optimization, reconciliation and subscriptions switch on as configuration, with no new integration. Merchants go live in days, and add new ways to pay without rebuilding.

infocus[by](https://www.y.uno)Payments, AI and tech, explained

Yuno is the AI-native intelligence system of global payments and financial services.

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