UPC systems support the updated 3D Secure 2 (3DS2) protocol, which enhances authentication capabilities for the issuer. 

This improves user experience and makes card payments more convenient and secure.

SCA requires two-factor authentication when accessing customer information, initiating a payment, or carrying out an action through a remote channel.

To approve a transaction, the merchant must provide the card issuer with two independent authentication factors.

To comply with 3DS 2 requirements, issuers need a risk-based authentication (RBA) that will help them use data insights for real-time risk decisions. UPC’s RBA helps issuers gauge transaction risk and provide convenient payments for cardholders.