---
id: sca-on-all-purchases
title: Strong customer identification for all credit purchases
hide_title: false
description: "Strong customer identification for all credit purchases"
---

A new law on the Swedish market to strongly identify customers when offering credit payments online expected to become final in January 2023.
The reason is to limit fraudulent behavior when using credits in online shopping.

[Read more on the Swedish Government website](https://www.regeringen.se/rattsliga-dokument/lagradsremiss/2022/07/stark-kundautentisering-vid-fakturabetalningar-online/)

## What is required

When a consumer purchases online the consumer must be strongly identified using two-factor authentication.

## Primary solution

Walley see that the best option going forward is to embed Walley on your e-commerce site.
The reason behind this is that offering end customers credits is currently under a lot of investigations from authorities in the Nordic countries.

To be future proof we encourage you to use this solution.

## Overview

These are the basic steps you need to take

### 1. Embed Walley

Embed a slim variant of Walley Checkout on your e-commerce page.
This can be mounted in any element on your page, including a modal that is only shown upon request.

<img
  src="/img/checkout/embedded-1.png"
  alt="A merchant page with the embedded Walley Checkout beside the cart"
  width="50%"
/>

### 2. We take care of strong identification

We will prompt the user for strong identification when the purchase is about to be completed

<img
  src="/img/checkout/embedded-2.png"
  alt="The merchant page behind a BankID identification dialog"
  width="50%"
/>

### 3. Register completed orders

You will register new orders by listening to callbacks/webhooks from us

<img
  src="/img/checkout/embedded-3.png"
  alt="The merchant page showing an order confirmation"
  width="50%"
/>

### Basic steps

1. Acquire API keys through Merchant Hub. [https://merchanthub.walleypay.com/](https://merchanthub.walleypay.com/)
2. Use API keys to [acquire a token for authentication](/docs/checkout/authorization)
3. [Start a session](/docs/checkout/initcheckout) using the acquired token
4. [Embed Walley](/docs/checkout/renderiframe) on your page
5. [Listen for completed purchases](/docs/checkout/notificationcallback) and register them in your own system
6. [Manage your orders](/docs/checkout/orderAdministration) (in the same way you do today or through our management API)