SCA - exclusions and exemptions

SCA will bring friction to the payment process.

To reduce this friction, certain types of transactions can be exempted from SCA and others are excluded all together. The table below highlights the current (June 2019) SCA exclusions and exemptions:
SCA exclusionsSCA exemptions
Some transactions are completely out of scope of SCASome transactions can be exempted from SCA to help reduce friction
One leg out transactions:
  • Payments where the issuer or the acquirer are based outside of the EEA are not required to perform SCA
Low risk transactions:
  • Transactions that have been assessed as low risk in real time (TRA) and where the PSP is below the fraud threshold
Merchant initiated transactions:
  • Transactions initiated by the payee such as mobile phone payments and fixed or variable amount subscriptions or instalments
  • SCA needs to apply on first transaction/mandate 
Low value transactions:
  • Remote electronic payment transactions less than or equal to EUR 30
  • Applies up to five consecutive payments or cumulative amount since last SCA is less than or equal to EUR 100
  • SCA not required
Whitelist of beneficiaries:
  • SCA only applies when the payer has added a merchant to the whitelist of their issuer
Recurring transactions:
  • Recurring transactions of a fixed value where the first and subsequent values are the same
  • SCA will apply to the first transaction
Corporate payments:
  • SCA is not required for B2B payments using a secure dedicated process
  • Corporate cards not used by persons e.g. lodged cards or virtual cards, are exempted from SCA - There is a challenge in the identification of these in some cases, BIN range lookups will be required