Can the PISP signal that a payment falls under an exemption?

{
  "id": "OPT-SCA-003",
  "edition": "1.6.3",
  "chooser": "both",
  "title": {
    "fr": "Indice d'exemption de SCA",
    "en": "SCA exemption hint",
    "es": "Indicación de exención de SCA",
    "pt-br": "Hint de isenção de SCA"
  },
  "question": {
    "fr": "Le PISP peut-il signaler qu'un paiement relève d'une exemption ?",
    "en": "Can the PISP signal that a payment falls under an exemption?",
    "es": "¿Puede el PISP indicar que un pago se acoge a una exención?",
    "pt-br": "O PISP pode sinalizar que um pagamento se enquadra em uma isenção?"
  },
  "options": [
    {
      "label": {
        "fr": "Sans indice",
        "en": "No hint",
        "es": "Sin indicación",
        "pt-br": "Sem hint"
      },
      "text": {
        "fr": "La banque décide seule.",
        "en": "The bank decides alone.",
        "es": "El banco decide solo.",
        "pt-br": "O banco decide sozinho."
      }
    },
    {
      "label": {
        "fr": "`scaHint`",
        "en": "`scaHint`",
        "es": "`scaHint`",
        "pt-br": "`scaHint`"
      },
      "text": {
        "fr": "`noScaExemption` ou `scaExemption`, posé par le PISP dans `supplementaryData`.",
        "en": "`noScaExemption` or `scaExemption`, set by the PISP in `supplementaryData`.",
        "es": "`noScaExemption` o `scaExemption`, que el PISP pone en `supplementaryData`.",
        "pt-br": "`noScaExemption` ou `scaExemption`, definido pelo PISP em `supplementaryData`."
      }
    }
  ],
  "stet": {
    "sections": [
      {
        "part": "framework",
        "section": "3.3.3",
        "page": 19
      }
    ],
    "openapi": [
      "SupplementaryData.scaHint",
      "SupplementaryData.appliedAuthentication"
    ],
    "flows": [],
    "changes": [],
    "remark": null
  },
  "aspsp": {
    "fr": "La banque garde la décision finale. Elle indique ce qu'elle a fait dans `appliedAuthentication` : `noAuthentication`, `oneFactorAuthentication` ou `strongAuthentication`.",
    "en": "The bank keeps the final decision. It states what it did in `appliedAuthentication`: `noAuthentication`, `oneFactorAuthentication` or `strongAuthentication`.",
    "es": "El banco conserva la decisión final. Indica lo que ha hecho en `appliedAuthentication`: `noAuthentication`, `oneFactorAuthentication` o `strongAuthentication`.",
    "pt-br": "A decisão final continua com o banco. Ele indica o que fez em `appliedAuthentication`: `noAuthentication`, `oneFactorAuthentication` ou `strongAuthentication`."
  },
  "tpp": {
    "fr": "Un indice ne garantit jamais l'absence de SCA, le parcours avec SCA doit toujours fonctionner. Lire `appliedAuthentication` dans la réponse.",
    "en": "A hint never guarantees that SCA is skipped, so the flow with SCA must always work. Read `appliedAuthentication` in the response.",
    "es": "Una indicación nunca garantiza que no haya SCA: el flujo con SCA siempre debe funcionar. Leer `appliedAuthentication` en la respuesta.",
    "pt-br": "Um hint nunca garante a ausência de SCA, e o fluxo com SCA precisa sempre funcionar. Ler `appliedAuthentication` na resposta."
  },
  "regulation": {
    "text": {
      "fr": "Dans un parcours AISP ou PISP, seule la banque décide d'appliquer l'analyse de risque de l'article 18 des RTS (avis EBA de 2018, §39).",
      "en": "In an AISP or PISP flow, only the bank decides whether to apply the transaction risk analysis of Article 18 of the RTS (the EBA's 2018 Opinion, §39).",
      "es": "En un flujo AISP o PISP, solo el banco decide si aplica el análisis de riesgo del artículo 18 de las RTS (dictamen de la EBA de 2018, §39).",
      "pt-br": "Em um fluxo AISP ou PISP, só o banco decide aplicar a análise de risco do artigo 18 das RTS (parecer da EBA de 2018, §39)."
    },
    "sources": [
      {
        "act": "rts",
        "ref": "art. 18"
      },
      {
        "act": "eba-opinion-2018",
        "ref": "§39"
      }
    ]
  },
  "note": null,
  "production": null,
  "verifiedAt": "2026-10-19"
}