OB-SCA-004PSR 85aStrong customer authentication

Recurring credit transfers without SCA each time

What the text fixes

Recurring credit transfers initiated by the payer's PSP at the payee's request, under an agreement that sets frequency and amounts and whose set-up was subject to SCA, need no SCA for each transfer.

Article: PSR 85aProvisional numbering of the April 2026 compromise (Council doc. 8221/26). The final numbering will be added when the Official Journal publishes the text, without changing the id.
Who is bound: ASPSP
Who it is for: Product, Compliance
Application: From the Regulation's entry into force (Article 112).
Level 2: No EBA mandate covers this obligation.
Origin: New, with no equivalent in PSD2 or in the 2018 RTS.

STET 1.6.3

Out of spec

These transfers are initiated by the payer's PSP, with no PISP involved. The text does not say how recurring payments initiated by a PISP fit with this article.

Sources

Council doc. 8221/26, page 361

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-SCA-004",
  "article": "PSR 85a",
  "alsoIn": [],
  "articleFinal": null,
  "actors": [
    "aspsp"
  ],
  "roles": [
    "product",
    "compliance"
  ],
  "appliesAt": "T",
  "title": {
    "fr": "Virements récurrents sans SCA à chaque opération",
    "en": "Recurring credit transfers without SCA each time",
    "es": "Transferencias recurrentes sin SCA en cada operación",
    "pt-br": "Transferências recorrentes sem SCA a cada operação"
  },
  "level1": {
    "fr": "Les virements récurrents initiés par la banque du payeur à la demande du bénéficiaire, selon un accord qui fixe fréquence et montants et dont la mise en place a fait l'objet d'une SCA, se passent de SCA à chaque opération.",
    "en": "Recurring credit transfers initiated by the payer's PSP at the payee's request, under an agreement that sets frequency and amounts and whose set-up was subject to SCA, need no SCA for each transfer.",
    "es": "Las transferencias recurrentes iniciadas por el proveedor del ordenante a petición del beneficiario, según un acuerdo que fija frecuencia e importes y cuya puesta en marcha se sometió a SCA, no requieren SCA en cada operación.",
    "pt-br": "As transferências recorrentes iniciadas pelo prestador do pagador a pedido do beneficiário, segundo um acordo que fixa frequência e valores e cuja criação passou por SCA, dispensam a SCA a cada operação."
  },
  "level2": null,
  "origin": [],
  "stet": {
    "1.6.3": {
      "status": "out-of-scope",
      "note": {
        "fr": "Ces virements sont initiés par la banque du payeur, sans PISP. Le texte ne dit pas comment des paiements récurrents initiés par un PISP s'articulent avec cet article.",
        "en": "These transfers are initiated by the payer's PSP, with no PISP involved. The text does not say how recurring payments initiated by a PISP fit with this article.",
        "es": "Estas transferencias las inicia el proveedor del ordenante, sin PISP. El texto no dice cómo encajan con este artículo los pagos recurrentes iniciados por un PISP.",
        "pt-br": "Essas transferências são iniciadas pelo prestador do pagador, sem PISP. O texto não diz como os pagamentos recorrentes iniciados por um PISP se encaixam neste artigo."
      },
      "pages": []
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 361
    }
  ],
  "verifiedAt": "2026-10-04"
}

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