# OB-SCA-004 — Recurring credit transfers without SCA each time

> 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 85a
- 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.

Provisional 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.

## 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](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=361)

Checked on 2026-10-04. https://openfinanceguide.com/en/dsp3/obligations/ob-sca-004