TRA Definition.

Transaction Risk Analysis: an SCA exemption based on the overall fraud rate of the PSP requesting it, up to €100 if its fraud rate is ≤ 0.13%, €250 if ≤ 0.06%, and €500 if ≤ 0.01%. The issuer can still refuse the exemption and return a soft decline requiring authentication. Key point: when the acquirer side requests the exemption, the merchant keeps the fraud liability. It is a trade-off between conversion and risk.

See also

→ SCA→ Fraud scoring→ Frictionless flow

Where this term appears

GuideThe four-party modelGuideThe role of banksGuideMerchant, acquirer, PSPGuidePayment schemesGuidePayment regulationGuideCentral banks and payment infrastructuresGuideFrench fintech: an overviewGuideAgents, distributors, and banking-as-a-service: who is liable for whatGuidePayments in GermanyGuidePayments in AustriaGuidePayments in the BalkansGuidePayments in the Baltics and Finland

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