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
| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
|---|---|---|---|---|---|---|
| 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
| ID | Title | Status | KYE™ 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.v1engines: internalrule_packs: kye:rule-pack:chargeback-evidencedictionaries: internalconstitution_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.v1engines: internal, internalrule_packs: kye:rule-pack:chargeback-evidenceconstitution_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.v1engines: internal, internalrule_packs: kye:rule-pack:chargeback-evidenceconstitution_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) |