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PSD2 Compliant Authentication with Authy

For new development, we encourage you to use the Verify API instead of the Authy API. The Verify API is an evolution of the Authy API with continued support for SMS, voice, and email one-time passcodes, an improved developer experience and new features including:

  • Twilio helper libraries in JavaScript, Java, C#, Python, Ruby, PHP, and Golang
  • Access via the Twilio CLI
  • Improved Visibility and Insights
  • Push authentication SDK embeddable in your own application

You are currently viewing the Authy API. New features and development will be on the Verify API. Check out the FAQ for more information and the migrating to Verify guide to get started.

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


        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

              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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