Cat-30 · T414 · EU Regulatory Pipeline 2025–2027
v1.0

PSD3 Strong Customer Authentication Transition Checker

Assess SCA transition obligations and requirement changes from PSD2 to proposed PSD3. Maps authentication method compliance, exemption threshold changes (new low-value, TRA, contactless thresholds), liability shift modifications, and produces a gap analysis against your current SCA setup with estimated PSD3 RTS implementation timeline through 2026–2027.

PSD3 Proposed 2026 PSD2 (2015/2366) EBA RTS on SCA Policy Mandate Export Zero PII
Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. PSD3 (COM/2023/366 revised 2024) is a Commission proposal as of June 2026 — final text and RTS timelines remain subject to trialogue. All PSD3 changes shown are based on the Commission's proposal and EP amendments. PSD2/EBA RTS (Reg. 2018/389) remains the operative law. Verify against current EBA guidance and your NCA before relying on this output. Deterministic logic · no inference · zero PII · CC BY 4.0.
PSP Profile
SCA Methods Currently Deployed
SCA Exemptions Currently Used
Transaction Mix & Channel Profile
SCA mandatory for remote electronic payments — PSD2 Art. 97(1)(b)
TRA exemption not available above €500 under PSD2 RTS Art. 18
PSD2: <€50 / 5 consecutive / €150 cumulative. PSD3 proposes upward revision.
Basis points on transaction volume. TRA exemption thresholds: 13bps (<€100), 6bps (<€250), 1bps (<€500)
SCA Method Compliance Matrix
Exemption Threshold Changes: PSD2 vs PSD3
Liability Shift Analysis
Gap Analysis vs. Current Setup
PSD3 RTS Implementation Timeline (Estimated 2025–2027)
    SCA Transition Assessment Report