Transaction risk analysis

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


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