Strong Customer Authentication

Starting from February 1, 2025, in accordance with the European PSD2 directive transposed into national legislation, Victoriabank is implementing Strong Customer Authentication – an additional step for card protection, fraud prevention, and ensuring secure transactions.

Strong Customer Authentication (SCA - Strong Customer Authentication) is a security standard provided in the European Directive 2366/2015 on Payment Services PSD2 (Payment Services Directive 2). The purpose of implementing strong authentication is to enhance payment security for merchants in the Republic of Moldova.

Thus, starting from February 1, 2025, the rules of Strong Authentication will apply when:

• You make offline card payments to merchants
• You make online payments (e-commerce)
• You use VB24 Mobile/Web

SCA - Strong Authentication - requires using at least two of the following three methods to verify your identity when making card transactions or online payments to merchants in the Republic of Moldova:

• Something you are(biometric) – fingerprint, facial recognition
• Something you have – a mobile device or another authentication instrument
• Something you know – password, PIN, phone unlocking method

What changes for you:

• For online payments, set up your static password on the dedicated page: sca.victoriabank.md
• For offline card payments, you will be required to enter your PIN in some cases (details below)

• Payments over 500 lei (or equivalent in foreign currency)
• Recurring payments: if the number of consecutive transactions initiated since the last strong authentication exceeds 5
• Cumulative value payments: if the total value of transactions between two strong authentications exceeds 2000 lei (or equivalent in foreign currency)
• Subscription payments (e.g., memberships): to confirm the first payment, strong authentication will be required, and subsequent transactions will be considered authorized