M&S and Accertify implemented an SCA solution providing a frictionless customer journey for 99.98%¹ of M&S customers

Marks and Spencer Group plc (M&S) is a major British retailer that is headquartered in London, UK and specialises in selling clothes, including M&S own brand, home products and food items. M&S is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index.

Upon new SCA regulations, the M&S team chose to migrate some of its fraud prevention into a pre authentication environment so they can utilise Accertiy’s new SCA model.

Under SCA requirements, card issuers now decline all non-compliant transactions. This can cause significant disruption for merchants with the risk of customer purchases being rejected.

Accertify SCA Optimisation supports eCommerce merchants’ SCA needs, detects and prevents payment fraud, and can authenticate legitimate account activities. M&S worked with Accertify to utilize Transaction Risk Analysis (TRA) exemptions and maximise a frictionless experience and a seamless checkout experience whilst mitigating fraud risk.

M&S considers Accertify to be key to its future SCA strategy because it will help provide a frictionless experience for members while not compromising outstanding fraud performance.

¹based on client data