PSD2 Low Value

Under PSD2, a transaction may be exempted from SCA if all three of the following conditions are satisfied:

Once either cumulative limit is reached, the next transaction triggers a challenge and the counters reset.

Flow

flowchart TD
    classDef success fill:#e6ffed,stroke:#38a169,color:#276749
    classDef terminal fill:#fff5f5,stroke:#fc8181,color:#c53030
    classDef process fill:#ebf8ff,stroke:#4299e1,color:#2c5282
    START([Transaction received]) --> CAT{Is payment transaction?}:::process
    CAT -->|No| NEXT1([Next Rule])
    CAT -->|Yes| AMT{Amount ≤ €30?}:::process
    AMT -->|No| NEXT2([Next Rule])
    AMT -->|Yes| SPEND{Cumulative spend < €100?}:::process
    SPEND -->|No| NEXT3([Next Rule])
    SPEND -->|Yes| COUNT{Fewer than 5<br/>consecutive exemptions?}:::process
    COUNT -->|No| NEXT4([Next Rule])
    COUNT -->|Yes| ACC([Frictionless · SUCCEEDED]):::success

Example

Adding the PSD2 Low Value Rule exempts qualifying transactions automatically. No additional configuration is required.

Outcome Summary