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PSD2 Compliant Authentication with Authy

As of November 2022, Twilio no longer provides support for Authy SMS/Voice-only customers. Customers who were also using Authy TOTP or Push prior to March 1, 2023 are still supported. The Authy API is now closed to new customers and will be fully deprecated in the future.

For new development, we encourage you to use the Verify v2 API.

Existing customers will not be impacted at this time until Authy API has reached End of Life. For more information about migration, see Migrating from Authy to Verify for SMS.

The European Payment Services Directive (PSD2) regulation requires Strong Customer Authentication (SCA) for all transactions over €30 by 31 December 2020 (14 September 2021 for the UK). This page will show you how to implement a compliant solution for your application using the Authy API. For more detail on PSD2, SCA, and dynamic linking, check out this post.

The Authy API supports 3 channels for PSD2 compliant authorization.

SMS Authorization for PSD2

Use the action and action_message parameter to tie the verification to a specific transaction. The same values are required to verify the token.


action_message for psd2 sms

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        SMS Authorization - PSD2 Compliant

        Push Authorization for PSD2

        Display transaction details in the Authy App. Each authorization is signed by the end user's device and linked to that specific transaction.


        psd2 push auth

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              Include "Payee" and "Amount" in details

              Authy Push Authorization - PSD2 Compliant

              Include "Payee" and "Amount" in details

              Soft Token (TOTP) Authorization for PSD2

              Offline support with transactional TOTP codes in the Authy app. Transaction details are mixed with the application secret to create a unique code tied to the transaction.


              Scan transactional TOTP QR code

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