Transaction risk analysis

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

• 3D Secure
• Credit transfer
• Issuer
• Payment service provider
• PSD2
• Regulatory Technical Standard
• Strong Customer Authentication
• Transaction
• Transaction Risk Indicators (TRI)
• Transactional
• Two-factor authentication