You can choose to play the match on any of FIFA‘s standard settings, from Beginner to Ultimate, and the points you get for winning scale up based on the difficulty.
Squad make-up influences the challenge you face, but the other key factor is elective difficulty. You can also play two “Featured” Squad Battles each week: one against a squad assembled by a celebrity, and another against the current Team of the Week. Squads are sourced from other players’ real in-game teams, and you play through them in batches of four, where the first is a low-quality squad with poor chemistry, and the fourth is a monster team with full chem. Squad Battles is a mode in FIFA 22 where you play up to 40 matches against the AI each week to earn rewards.