At Emma, we want to help ensure the security of everyone we do business with. One way we do this is to prevent the unauthorized use of cards - especially online when we can’t see a physical card. As a Mastercard / Visa cardholder, your transaction is secured by the respective company.

Strong customer authentication (SCA) is a requirement under the European Union's (EU) Payment Services Directive 2 (PSD2) for certain types of online payments. SCA requires that customers provide two or more independent pieces of authentication information, such as a password and a fingerprint or a PIN and a one-time code sent to their phone, to confirm their identity before making a payment.

Learn more about how it works at Mastercard or Visa.

What is the benefit? 

Through this program you have an added layer of protection that helps to prevent the unauthorized use of your card while shopping online. This service helps us know you’re really you and most importantly it protects you from fraud.

Does this service cost me anything? 

No. There are no costs associated with this service.

Can I use both credit and debit cards? 

Yes! This service was designed for both credit and debit cards when shopping online with us. When you use your debit card, your online transaction experience will be similar to a credit transaction.

I see the Mastercard or Visa logo when I’m going through the extra check. What’s this about? 

If you do encounter this extra verification step, these companies helps route information to your financial institution so they can can verify your identity. The logo is there to give you peace of mind that the transmission is secure and reliable.