PSD2 SCA & Unauthorised-Transaction Liability (Arts. 72-74, 97) · vPSD2 — Directive (EU) 2015/…

PSD2 SCA & Unauthorised-Transaction Liability (Arts. 72-74, 97)

PSD2 SCA & Unauthorised-Transaction Liability (Arts. 72-74, 97) — 100% of in-scope requirements covered.

4 requirements · 3 in scope (3 enforced) · 1 out-of-scope (outside KYE™’s authority layer). The 100% is weighted over the in-scope base.

Source: PSD2 (Directive (EU) 2015/2366) governs payment-service disputes in the EU: Article 97 mandates strong customer authentication (SCA); Article 72 places the burden of proof on the payment service provider to prove the transaction was authenticated, accurately recorded, and not affected by a deficiency; Article 73 requires an immediate refund of an unauthorised transaction; Article 74 allocates liability between payer and PSP. KYE Protocol™ governs whether a refund / liability allocation in the SCA-dispute flow may PROCEED — under a named owner's recorded authority, with the authentication evidence (SCA result, exemption applied) captured as evidence events at transaction time, and with the dispute bundle sealed as a signed, integrity-bound Evidence Pack™ the PSP can produce to meet the Article 72 burden of proof. KYE™ does not adjudicate whether the transaction was in fact authorised, decide whether to contest, or do fraud scoring. · License: Directive (EU) 2015/2366 is an EU legislative text; the KYE™ registry paraphrases each requirement's intent and cites the official article identifier for mapping purposes only.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
SCA / authentication evidence captured at transaction time 1 1 0 0 0 100%
Named-authority on the unauthorised-transaction refund 1 1 0 0 0 100%
Burden-of-proof evidence integrity for liability allocation 1 1 0 0 0 100%
Substantive fraud / authorisation determination on the merits 1 0 0 0 0 0%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
psd2-sca-disputes.sca-evidence-capture The SCA / authentication evidence is captured as evidence events at transaction time enforced audit_events: kye.evidence.decision_map.v1, kye.evidence.pack.v1
engines: internal
rule_packs: kye:rule-pack:chargeback-evidence
dictionaries: internal
constitution_refs: constitution/13-RESILIENCE-LOOP.md
psd2-sca-disputes.unauthorised-transaction-refund-authority An unauthorised-transaction refund proceeds only under a recorded named-authority decision enforced audit_events: kye.purpose.request.v1, kye.purpose.admissibility.v1, kye.evidence.decision_map.v1
engines: internal, internal
rule_packs: kye:rule-pack:chargeback-evidence
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
psd2-sca-disputes.liability-allocation-evidence Burden-of-proof evidence integrity: the liability-allocation bundle is signed, hash-bound and reconstructable enforced audit_events: kye.evidence.pack.v1, kye.replay.context_seal.v1, kye.replay.proof.v1
engines: internal, internal
rule_packs: kye:rule-pack:chargeback-evidence
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/30-AUDIT-WORM-RETENTION.md
psd2-sca-disputes.fraud-determination Substantive fraud / authorisation determination on the merits out-of-scope (no enforcement cited)