What is Transaction Risk Analysis Exemption - Solidgate

Transaction Risk Analysis Exemption


Transaction Risk Analysis Exemption (TRA) is a provision within the regulatory framework, particularly associated with the European Union’s Revised Payment Services Directive (PSD2). This exemption allows for a more streamlined authentication process during electronic payment transactions, specifically when the transaction is deemed low risk. TRA relies on risk-based analysis, considering factors such as transaction amount, frequency, and historical behavior to determine the necessity of Strong Customer Authentication (SCA).

Transactions qualifying for the TRA exemption can proceed with reduced friction, enhancing the user experience by eliminating the need for additional authentication steps. However, businesses and payment service providers must implement robust risk analysis mechanisms to accurately assess transaction risk and ensure compliance with regulatory requirements.


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