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Mobile SCA

Create a stronger level of security on the device users already trust.

Most abandonment on open banking happens between “choose your bank” and “authorised”. We optimise app-to-app handoffs so SCA completes for Pay by bank checkout and invoice payment links — then return the user with a signed result.

Request a demo Mobile integration
1 API Single contract for initiation & webhooks
Multi Provider routing by payer market
T+5 Merchant settlement in fiat or USDC

How it works

From API call to bank confirmation.

  1. 01

    Create collection

    POST amount, reference, and return URLs from your backend or invoice flow.

  2. 02

    Payer selects bank

    Hosted checkout lists institutions for the payer's country — no PAN on your domain.

  3. 03

    SCA at the ASPSP

    The payer authorises in their banking app; status propagates in real time.

  4. 04

    Webhook & settlement

    Normalised events land in your stack; liquidity settles on your configured schedule.

Experience

Optimised paths per OS and bank.

Detection chooses ASWebAuthenticationSession patterns on iOS, intent resolution on Android, and hosted web when apps are missing — always with a branded interim screen so users know they are still inside your journey.

See UX patterns

Metrics

Measure completion, not just clicks.

Instrument each hop: bank selected, redirect fired, return received, authorisation succeeded. Product and risk teams see where to tune copy, institution ordering, or timeout policies — especially important for PSD2 dynamic linking expectations.

Events API

Use cases

Mobile-first journeys

01

Retail

mCommerce checkout

Keep shoppers on mobile through bank SCA without dead ends.

02

Wallets

Funding & transfers

App-to-app for top-ups mirrors what users expect from banking apps.

03

Lending

Repayment flows

Higher completion when borrowers stay on the phone they use for banking.

Benefits

Higher mobile conversion

01

Fewer dead ends

Graceful fallback when apps are missing.

02

Brand-safe

Your domain and styling on interim screens.

03

Test devices

Lab profiles for QA on common handsets.

04

Low latency handoff

Minimise steps to the bank UI.

05

PSD2 SCA

Align with dynamic linking expectations.

06

Works with Pay by bank

Default path for our checkout SDK.

Fix mobile drop-off on your next sprint.

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