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+Article 18 2. |
Article 18 2.An electronic payment transaction referred to in paragraph 1 shall be considered as posing a low level of risk where all the following conditions are met:
(a)
the fraud rate for that type of transaction, reported by the payment service provider and calculated in accordance with Article 19, is equivalent to or below the reference fraud rates specified in the table set out in the Annex for ‘remote electronic card-based payments’ and ‘remote electronic credit transfers’ respectively;
(b)
the amount of the transaction does not exceed the relevant exemption threshold value (‘ETV’) specified in the table set out in the Annex;
(c)
payment service providers as a result of performing a real time risk analysis have not identified any of the following:
(i)
abnormal spending or behavioural pattern of the payer;
(ii)
unusual information about the payer's device/software access;
(iii)
malware infection in any session of the authentication procedure;
(iv)
known fraud scenario in the provision of payment services;
(v)
abnormal location of the payer;
(vi)
high-risk location of the payee. 1. Prezentare generală
1.1 Referințe1.2 Cerințe identificate1.3 Standarde asociate2. Cerințe identificate
3. Standarde asociate
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