Regulation
PSD2 SCA rules
EU/UK PSD2 requirement that EEA-issued cards used at EEA merchants complete SCA unless an exemption applies; enforced by issuers via 3DS challenges.
Related terms
Strong Customer Authentication
PSD2 requirement that customer-initiated electronic payments in the EEA and UK be authenticated with two of: knowledge, possession, inherence.
PSD2
The EU's Payment Services Directive 2, which mandates SCA, opens banking APIs, and reshapes payment liability.
Transaction Risk Analysis exemption
PSD2 exemption from SCA for low-fraud acquirers on transactions under EUR 500, calibrated to portfolio fraud rates measured quarterly.
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