> ## Documentation Index
> Fetch the complete documentation index at: https://docs.enfuce.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Service Directive (PSD)

> The EU Payment Service Directive includes multiple requirements that have to be considered by payment issuers.

## Strong Customer Authentication

According to the PSD2 requirements, all payment transactions need to be verified with Strong Customer Authentication (SCA) unless an exemption applies. For more detailed information, have a look at the [Authentication](/guides/the-essentials/global-processing/authorisation-and-authentication-of-payments/) process during transaction processing.

## Risk-based authentication

According to the PSD2 requirements, all payment transactions need to be verified with Strong Customer Authentication (SCA) unless an exemption applies. For more detailed information, have a look at the [Authentication process during transaction processing](https://enfuce.com/the-essentials/global-processing/authorisation-and-authentication-of-payments/).

## Cross Border Payment Regulation

To comply with EU Cross Border Payment regulation (EU 2019/518) and to enable improved cardholder experience, we provide a solution to disclose the exchange rates used for card payments to the end-user. For more detailed information, have a look at [this section](/guides/peace-of-mind/global-compliance/cross-border-payment-regulation/).