Transaction risk analysis

From ACT Wiki
Revision as of 09:45, 22 July 2019 by imported>Doug Williamson (Update final sentence.)
Jump to navigationJump to search

Payments - PSD2 - Strong customer authentication (SCA) exemptions.

(TRA).

Transaction risk analysis is an exemption to the requirement for Strong Customer Authentication under PSD2.


Under the TRA exemption, a transaction can be flagged as a low-risk-transaction if:

  • the fraud rate of the related payment service provider (PSP) is below a certain threshold, and
  • a real time analysis has not revealed any risk.


If the issuer agrees, the individual card-based payment or credit transfer can be exempted from Strong Customer Authentication.


See also