Transaction-specific strong customer authentication
We offer a separate daily data file containing transaction-specific strong customer authentication data to ease the issuer´s reporting requirements. In response to the European Central Bank’s, and subsequently the local authorities, requirements to provide payment statistics (ECB/2020/59), in addition to the existing DWH files we provide an additional daily report with transaction-specific information about strong customer authentication (SCA). The data provided will determine if SCA was performed, and if it wasn’t, which PSD2 exemption was applied.- File format: CSV
- Frequency: Daily file
- Institution specific report
- Naming of the file: ‘InstitutionID + SCA + reporting date + reporting time’
- Example: ‘123456_SCA_2021-11-22-09-37-55’
Sample
Field name | Field type | Mandatory | Details |
---|---|---|---|
ID | NUMBER(18,0) | Yes | Enfuce generated database ID for the transaction. |
TRANS_DATE | DATE | Yes | The local date (and time) when the transaction was made. Local date/time= the date/time in the time zone in which the payment terminal is.YYYY-MM-DD hh:mm:ss For MasterCard transactions, the date and time stamp both are provided as those are available in a clearing file. For Visa, only the date is available as Visa only includes the date in clearing files. |
SCA_non_SCA | VARCHAR2(32) | Yes | Possible values: SCA, NON-SCA If the customer is strongly authenticated or not. |
non_SCA_reason | VARCHAR2(32) | Yes | Reason: if the customer was not strongly authenticated. Possible values: Unattended Terminal, Contactless Low Value, Outside EEA, Recurring Transaction, Merchant Initiated Transaction, Low Value Transaction, Other |
Prioritisation of SCA exemptions
- Is the transaction strong customer authenticated (“SCA”)?
- If not SCA, is it initiated outside EEA? If yes, then Outside EEA
- If not SCA, is it a contactless low value transaction? If yes, then Contactless Low Value
- If not SCA, is it initiated at an unattended terminal? If yes, then Unattended Terminal
- If not SCA, is it a recurring transaction? If yes, then Recurring Transaction
- If not SCA, is it a low value transaction? If yes, then Low Value Transaction
- If not SCA, is it a merchant initiated transaction? If yes, then Merchant Initiated Transaction
- If not SCA and none of the above apply, then Other