The EU recently rolled out new regulations called Strong Customer Authentication (SCA) to help reduce fraud and make payments safer. Beginning 14th September, SCA requirements will apply to all payment service providers in the European Economic Area (EEA) (that’s us!).

For Rooster Card users, this means you will be asked for payment and identity authentication more regularly to ensure that we are meeting these new SCA requirements.

SCA in a nutshell

SCA comes under a new EU law called Payment Services Directive II, which aims to provide better consumer protection by making payments more secure. What makes SCA “strong” is that the policy requires the consumer — your child — to validate their identity using at least two of three methods:

When your child uses their Rooster Card at a store and is able to provide the PIN upon checkout — voilà! They’ve passed two of the three identity checks and their transaction is safe to go through.

What this means for your child and their Rooster Card

What: Your children will be asked to enter their PIN more often when making contactless payments with their card.

When: Every 5th contactless transaction, or when you child has spent £135 cumulatively without the use of Chip & PIN. Whichever comes first!

How: The contactless payment will be declined and your child will need to use Chip & PIN for the purchase to go through. Once they’ve used their PIN, the counter resets and contactless will work until they reach the criteria above again. 

The Takeaway

As usual, if you have any questions about this change or RoosterMoney in general, feel free to reach out via the in-app chat or email us at

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