T419 · PSP & Payment Compliance · Cat-25

SCA Transaction Exemption Classifier

Enter a transaction's characteristics and contextual signals. This tool identifies every applicable Strong Customer Authentication exemption under PSD2 RTS and UK PSR SCA rules, ranks them by friction (lowest first), and outputs the liability shift position for each.

PSD2 RTS FCA SCA Exemptions Jul 2026 v1.0 · May 2026

🔒 All inputs processed locally. No data transmitted. Zero PII.

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Disclaimer: SCA exemption eligibility depends on your PSP's real-time fraud monitoring data, regulatory approvals, and scheme rules. This tool provides a decision framework — always validate against your NCA/FCA supervisory expectations.
Related: For the broader SCA transition gap analysis, see T414 — PSD3 SCA Transition Checker.
Transaction Profile
Enter the transaction value in local currency
Payer's PSP TRA Fraud Rate (last 12 months)
Required for TRA exemption assessment — EBA RTS Art. 18–19 / FCA SCA-RTS Art. 18–19.
Contextual Signals
YES/NO
Payee is on payer's trusted beneficiary list (whitelisted via prior SCA)
YES/NO
Recurring transaction — same payee, same amount
YES/NO
Corporate / B2B card or dedicated corporate payment account
YES/NO
Transaction initiated by payee (MIT) — standing order, subscription, post-auth charge
YES/NO
Unattended transport or parking terminal (card present only)
Recommended Exemption & SCA Verdict
All Exemptions — Applicability (lowest friction first)
Liability Matrix — Who Bears Fraud Cost
Compliance Notes
Transaction Summary