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What transactions to Merchant account are exempt from SCA?

Low-risk or low-value transactions of £30 / €30 or less are usually exempt from Strong Customer Authentication (SCA). 'One leg out transactions' – where the merchant is in the EEA but the customer isn't – are also exempt.

At any given time, if the overall rate of fraudulent transactions is low enough to be compliant with Payment Services Directive 2 (PSD2), we may allow some higher value transactions to skip SCA.

As a merchant, you can choose to turn off these exceptions so all your customers' transactions are subject to SCA and pass through 3 Domain Security (3DS).

At the moment, we don't allow merchants to opt out of SCA or set their own risk appetite.