If an exemption applies, the customer may make a purchase using one authentication factor and not two or more.
The SCA exemptions can be found between Articles 10-18 in Commission Delegated Regulation 2018/389 (also known by the Regulatory Technical Standards or RTS). irctc ka agent kaise bane in hindi
The retailer is not allowed to determine whether exemptions are applicable. The Payment Service Provider will decide. Retailers need to be aware of these exemptions to optimize their operations and increase the likelihood that payments will be exempt.
When there is friction during the checkout process, customers are more likely to abandon their purchases. Exempted payments that only require one authentication factor are more likely to be completed.
Let's look at the SCA exemptions that can impact retailers taking payments from customers.
Contactless Payments at Point-of-Sale (Article 11).
If the customer makes a contactless payment at the point of sale (not online), then the Payment Service Providers do not have to apply for SCA.
The transaction cannot exceed EUR50
Since the last time SCA was applied, the customer has made contactless payments of EUR150 or less.
The customer has completed five or fewer contactless transactions consecutively since the last application of SCA.
Remote Transactions of Low Value (Article 16).
