What is Low-Value Transaction | Solidgate

Low-Value Transaction


Low-Value Transactions refer to purchases that involve a relatively small dollar amount. Under PSD2 regulations, low-value transactions may qualify for an exemption from Strong Customer Authentication (SCA) requirements during checkout. The maximum threshold to be considered low-value is established by the card issuer or payment service provider, typically around EUR 30 for online transactions in Europe.

SCA exemption criteria:

  • Transaction amount: Low-value transactions typically fall under the EUR 30 threshold, exempting them from SCA requirements. This exemption aims to minimize the burden of authentication for small, everyday payments.
  • Cumulative payments: In addition to individual transaction amounts, cumulative payments within a specified period may also trigger SCA enforcement. For instance, if cumulative payments on the same card exceed EUR 100 within a timeframe, SCA is required for subsequent transactions.
  • Transaction frequency: SCA may also be triggered based on the frequency of transactions. If low-value transactions occur at a rapid pace, the issuing bank may implement SCA to safeguard against potential fraudulent activities.

Low-value transactions are one of the fastest-growing segments in the financial industry. For the global economy, advances in low-value transactions will be a major facilitator of easier trade in goods and services.


Start accepting payments today

Let’s discuss your business needs and we'll give you better fees and conversion rates than you have with your current payment provider.

    By clicking "Get in touch" you agree to our Privacy Policy

    Thank you

    Thank you

    We will contact you shortly. If you have any further questions, please contact us at sales@solidgate.com