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strong customer authentication or SCA means customers will have to take extra steps to pay online with a cart but what will it take to get consumers and businesses ready in time for its introduction SCA mandated by EU regulation involves upgrading payment systems at card schemes payment processors banks merchants and service providers to launch SCA without trouble a smooth customer transition for businesses big and small is key so just how ready is the industry for the compliance deadline of the 14th of September 2019 most websites load in one second or less with SCA load times are much longer and cause frustration and confusion for users leading SCA providers canamp;#39;t even commit to loading times better than four to eight seconds which is an eternity for a customer to wait to complete a single step for an e-commerce transaction this is because service providers are not ready for the high volume of traffic after the compliance date this will result in customers abandoning shopping