Which payment could be exempt from SCA?

Which payment could be exempt from SCA?

• A. Less than 30 euros
• B. 60 euros or more
• C. All card-present transactions
• D. Transactions without bank prompts

Answer: (A)

Under PSD2, most online card payments require strong customer authentication, but small purchases can be exempt to reduce friction. The low-value exemption applies to payments below a certain threshold (commonly 30 euros). If the payment is under that amount and the exemption criteria are met, the issuer may skip SCA prompts. That makes a payment of less than 30 euros the only option that could be exempt. A payment of 60 euros or more is above the threshold and would generally require SCA, while card-present payments aren’t automatically exempt and aren’t guaranteed to bypass SCA, and there isn’t a general exemption simply because there are no bank prompts—the decision rests on whether the exemption applies for that transaction.

Under PSD2, most online card payments require strong customer authentication, but small purchases can be exempt to reduce friction. The low-value exemption applies to payments below a certain threshold (commonly 30 euros). If the payment is under that amount and the exemption criteria are met, the issuer may skip SCA prompts. That makes a payment of less than 30 euros the only option that could be exempt. A payment of 60 euros or more is above the threshold and would generally require SCA, while card-present payments aren’t automatically exempt and aren’t guaranteed to bypass SCA, and there isn’t a general exemption simply because there are no bank prompts—the decision rests on whether the exemption applies for that transaction.