Businesses operating within the European Union (EU) must comply with the Revised Payment Services Directive (PSD2) and Strong Customer Authentication (SCA) regulations to enhance electronic payment security, reduce fraud, and protect customer data. PSD2, effective since 2019, encourages competition and innovation by opening the market to fintech startups, while SCA requires strong authentication using at least two factors to verify customer identity. Businesses need to evaluate their location, customer base, and transaction types to determine if they fall under PSD2 and SCA mandates. Exemptions to SCA include low-value transactions, recurring payments, and secure corporate processes, though understanding and applying these correctly is crucial to avoid penalties. Implementing SCA involves adopting multi-factor authentication, integrating 3D Secure 2 (3DS2), updating software, and closely monitoring transactions to optimize processes and minimize conversion rate impacts. Communication with customers about authentication changes is essential to maintain trust and ensure seamless transitions. The article underscores the importance of consulting legal advisors for compliance and highlights device fingerprinting as a tool to enhance payment security against fraud and identity theft.