Regulation
Acquirer exemption (TRA)
SCA exemption applied by the acquirer using its own fraud rates, letting eligible transactions bypass 3DS challenges under EUR 500.
Related terms
Transaction Risk Analysis exemption
PSD2 exemption from SCA for low-fraud acquirers on transactions under EUR 500, calibrated to portfolio fraud rates measured quarterly.
Strong Customer Authentication
PSD2 requirement that customer-initiated electronic payments in the EEA and UK be authenticated with two of: knowledge, possession, inherence.
Low-value exemption
PSD2 SCA exemption for transactions under EUR 30, capped at five consecutive or EUR 100 cumulative unauthenticated transactions per card.
Related guides.
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