The transaction types listed below are considered to be out of scope of the SCA mandate:
| Transaction Type | Description |
| Payee and Merchant Initiated Transactions (MIT) | A transaction, or series of transactions, of a fixed or variable amount and fixed or variable interval governed by an agreement between the cardholder and merchant that, once agreed, allows the merchant to initiate subsequent payments without any direct involvement of the cardholder. Where the initial mandate is set up through a remote electronic channel, SCA is recommended if there is a risk of fraud but should not be necessary for subsequent payments initiated by the merchant. |
| MOTO | Payments transacted over the phone are not considered to be electronic payments. This means Mail Order/Telephone Order transactions are out of scope. |
| One Leg Out | A transaction where either the Issuer or Acquirer is located outside the European Economic Area (EEA). |
| Anonymous Transactions | Transactions through anonymous payment instruments are not subject to the SCA mandate. |
Published 24 November 2020
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