Ekata - PSD2 SCA: Industry Insights around Exemptions
Common Sense Virtual Roundtable:

PSD2 SCA: Industry Insights around Exemptions

April 21st, 2021, Successfully held

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Here’s what we discussed:

2021 marks the start of a change in the goal post. With the influx of richer data sets, PSD2 is quickly shifting away from a pure compliance play and moving into its strategic mission of driving better customer experience and trust.

In this roundtable moderated by Ekata, we discussed how the SCA story has moved on since the December 31st deadline, and what observations are being seen by the payments ecosystem so far in regards to exemptions and authentication. Furthermore, we discussed how the payments ecosystem is prioritising 2021 resources towards building or enhancing risk models to ultimately drive smarter, better business decisions.

Moderated by 

Spencer Mclain
Spencer McLain is Ekata’s Vice President and General Manager of the EMEA region. He leads Ekata’s international expansion efforts and owns key relationships with card brands and payment service providers. Spencer supports multiple fraud platform partnerships, collaborates with Product Management to improve Ekata’s API products to ensure that they provide maximum lift in risk models and/or rule-sets, and acts as a key liaison to complex data customers who require specialized testing/analysis.

Here is what we learned:

What are your observations with issue-merchant behaviors since PSD2 compliance began?

It was a circle of trust between the banks and the merchants and the issuers. For low-value exemptions, the market averages 88% approvals, and one payments provider says it has seen 92% to 95% of those transactions approved. The payments provider says it shows that PSD2 and exemptions work when everybody is working together.

The problem with PSD2 is that guidance is all up to interpretation. However, the fact that only one small patch, in Poland, has been a problem is eye-opening.

When applying the TRA exemption, the entire technical authentication process is done without the acquirer. The gateway cannot calculate the acquirer’s fraud rate. If it’s going to be accurate it has to be in real-time and not on 3-month-old data. The gears do not mesh well at present, and for a true solution, the technical holes must be covered by all the players.

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We are careful about who we send this key document to. The session notes will be sent based on the request, provided your profile matches our qualification criteria.

About Ekata:

Ekata provides APIs and a SaaS solution built around five core identity elements: name, phone, email, address, and IP to help you assess risk in all types of online interactions. These include fake account creation, payment authentication, transaction fraud and manual fraud review.

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