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Bank app authentication under PSD2

Processing transactions through the Spanish domestic interbank network inherently satisfies European Strong Customer Authentication requirements under the revised Payment Services Directive.

The payment method achieves this compliance mandate by completely delegating the cryptographic authentication process to the consumer's personal mobile banking software, ensuring strict adherence to regional security standards.

Merchants do not need to implement additional authentication protocols or manage complex exemption logic for these specific transactions.

The Cardflo orchestration layer simply passes the initial request to the acquirer partner, relying on the native banking application to collect biometric data or PIN entries securely from the shopper.

Domestic scheme participant rules

Accepting domestic mobile transactions requires adherence to the specific operating rules set by the local Spanish scheme. These regulations govern permissible merchant categories, dictate mandatory dispute resolution timeframes and enforce strict parameters regarding how the payment brand must be displayed on the final checkout interface.

Operators must ensure their checkout flows accurately reflect these brand guidelines to maintain good standing with the network. Cardflo connects merchants with acquirer partners who monitor scheme compliance, ensuring that transaction payloads meet all required technical specifications before they enter the Spanish domestic clearing system.