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---
title: "EBA Q&A 2018_4056 — Q&A — Application of the exemption for transactions to trusted [Final Q&A]"
shortTitle: "EBA Q&A 2018_4056 — Q&A — Application of the exemption for transactions to trusted [Final Q&A]"
answer_id: EBA_QA_2018_4056
status: "Final Q&A"
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legal_basis: "Article 97 PSD2"
date: 21 September 2018
source_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4056
lifecycle: "Final Q&A"
text_version: "EBA Q&A register, 21 September 2018"
source_url: "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4056"
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    published_on: "EBA Q&A register entry 2018_4056, field 'Final publishing date'"
    question_submitted_on: "EBA Q&A register entry 2018_4056, field 'Submission date'"
lifecycle_label: "Final Q&A"
---

**Answer by the EBA, published in its Q&A tool · not legislation · published 21 Sep 2018 [Final Q&A]**

*Final Q&A · EBA Q&A register, 21 September 2018 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4056)*

| | |
|---|---|
| **Full title** | EBA Q&A 2018_4056 — Q&A — Application of the exemption for transactions to trusted \[Final Q&A\] |
| **Prepared by** | EBA |
| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |
| **Reference** | EBA_QA_2018_4056 |
| **Document type** | Q&A |
| **Legal nature** | Not legislation |
| **Addressees** | Not stated in the document |
| **Dates** | Published 21 September 2018; question submitted 28 June 2018 |
| **Legal basis** | Article 97 PSD2 |
| **Related instruments** | None recorded |
| **Text on this page** | Word for word — the full text of the EBA publication |

**Application of the exemption for transactions to trusted beneficiaries to Face-to-Face transactions**

### Question

May the exemption for transactions to trusted beneficiaries (‘white-listing’) set out in Article 13 of Regulation (EU) 2018/389 (RTS on strong customer authentication and secure communication) apply to face-to-face transactions?

### Background

PSPs are allowed not to apply SCA where the payer initiates a payment transaction and the payee is included in a list of trusted beneficiaries previously created by the payer (Article 13 of Regulation (EU) 2018/389 (RTS on strong customer authentication and secure communication), the so-called ‘white-list’ exemption).

Regulation (EU) 2018/389 does not limit white-listing to remote transactions. The RTS only states that SCA can be by-passed when 'the payer initiates a payment transaction’ to trusted beneficiaries. This would include both remote and face-to-face transactions. Whenever the RTS limits the application of an exemption to remote transactions, they do it so expressly. The exemption for low-value remote transactions (Article 16 RTS) and the Transaction Risk Analysis (TRA) exemption, for example, are expressly limited to ‘remote’ transactions.

***

### Answer

Article 13 of the Commission Delegated Regulation (EU) 2018/389 does not limit the application of the exemption to remote transactions only (by contrast for instance with the transaction risk analysis exemption under Article 18 of the Delegated Regulation). Accordingly, the exemption could apply to non-remote transactions provided this is technically feasible to do so.

***

**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4056)

## Related Level 1 articles

- [Article 97 — Authentication](../../../articles/97.md)