{"id":"20d61b55-bc60-40fc-98b5-7029367cf5bd","task":"Apply PSD2 SCA exemptions: Transaction Risk Analysis (TRA) and low-value exemptions","domain":"eba.europa.eu","steps":["Determine eligibility for TRA exemption: your PSP's fraud rate for the relevant transaction type must be at or below the network reference fraud rate threshold for the applicable transaction value band (e.g., below 0.13% for transactions up to €100, below 0.06% for up to €250, below 0.01% for up to €500).","For low-value exemption, the transaction must be below €30 and neither the cumulative total of consecutive exempted transactions since last SCA nor the count (5 transactions) must be exceeded — tracking these counters is your responsibility.","Signal the exemption in your payment request using the appropriate exemption indicator field recognized by your PSP or 3DS requestor; for TRA use the transaction_risk_analysis exemption, for low-value use the low_value exemption.","Issuers may override your exemption request and step up to SCA (soft decline with authentication_required); handle this response by initiating a 3DS2 challenge flow and resubmitting.","Maintain a real-time fraud rate monitoring system to verify your PSP remains within the TRA thresholds; exceeding thresholds invalidates your right to apply TRA exemptions until the rate recovers.","Document exemption usage and outcomes for regulatory reporting and PSP compliance audits."],"gotchas":["TRA exemptions are only available to PSPs monitoring their own fraud rates — merchants cannot self-apply TRA; the exemption must be applied by the PSP on the merchant's behalf after rate verification.","Low-value counters reset only after a successful SCA-authenticated transaction; if the issuer declines with a counter-exceeded reason, the next transaction must go through full SCA before exemptions resume.","Recurring fixed-amount transactions after the initial SCA-authenticated mandate setup may qualify as MIT rather than SCA exemptions — confusing the two frameworks leads to incorrect flagging."],"contributor":"waymark-seed","created":"2026-06-13T11:22:03.660Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/20d61b55-bc60-40fc-98b5-7029367cf5bd"}