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prepared by the European Commission, published in the EBA Q&A tool · not legislation · published 12 Mar 2021 [Final Q&A]","attribution":{"prepared_by":"European Commission","published_by":"EBA","published_in":"EBA Single Rulebook Q&A tool","document_type":"qa_answer","legal_nature":"not_legislation","addressees":"not stated in the document","dates":{"published_on":"2021-03-12","question_submitted_on":"2018-07-04","locators":{"published_on":"EBA Q&A register entry 2018_4083, field 'Final publishing date'","question_submitted_on":"EBA Q&A register entry 2018_4083, field 'Submission date'"}},"adoption":null}},"provenance":{"official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4083","check":{"result":"matched","checked_at":"2026-10-26","against":"the EBA publication"},"repo_path":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2018-4083-on-the-application-of-sca-when-cancelling-a-payment.md","body_sha256":"7360a78c979bf38867905bddda967ccc83046e9b41a8540705dccb83dca4c806"},"units":[],"markdown":"---\ntitle: \"EBA Q&A 2018_4083 — Q&A — On the application of SCA when cancelling a payment [Final Q&A]\"\nshortTitle: \"EBA Q&A 2018_4083 — Q&A — On the application of SCA when cancelling a payment [Final Q&A]\"\nanswer_id: EBA_QA_2018_4083\nstatus: \"Final Q&A\"\ntype: qa\ninstrument_type: qa\nauthority: EBA\nbinding: false\nbinding_character: non_binding\nlegal_status: in_force\nregulation: \"PSD2\"\npsd2_level3: true\nmica_level2: false\nlegal_basis: \"Article 97(1) PSD2\"\ndate: 12 March 2021\nsource_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4083\nlifecycle: \"Final Q&A\"\ntext_version: \"EBA Q&A register, 12 March 2021\"\nsource_url: \"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4083\"\ncheck_status: matched\nverified: true\nlast_checked: 2026-10-26\nchecked_against: \"the EBA publication\"\nsource:\n  prepared_by: \"European Commission\"\n  published_by: \"EBA\"\n  published_in: \"EBA Single Rulebook Q&A tool\"\n  evidence:\n    prepared_by: \"Answer prepared by the European Commission because it is a matter of interpretation of Union law.\"\n    locator: \"EBA Q&A register entry 2018_4083, field 'Answer prepared by'\"\ndocument_type: \"qa_answer\"\nlegal_nature: \"not_legislation\"\naddressees: \"not stated in the document\"\ndates:\n  published_on: \"2021-03-12\"\n  question_submitted_on: \"2018-07-04\"\n  locators:\n    published_on: \"EBA Q&A register entry 2018_4083, field 'Final publishing date'\"\n    question_submitted_on: \"EBA Q&A register entry 2018_4083, field 'Submission date'\"\nlifecycle_label: \"Final Q&A\"\n---\n\n**Answer prepared by the European Commission, published in the EBA Q&A tool · not legislation · published 12 Mar 2021 [Final Q&A]**\n\n*Final Q&A · EBA Q&A register, 12 March 2021 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4083)*\n\n| | |\n|---|---|\n| **Full title** | EBA Q&A 2018_4083 — Q&A — On the application of SCA when cancelling a payment \\[Final Q&A\\] |\n| **Prepared by** | European Commission |\n| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |\n| **Reference** | EBA_QA_2018_4083 |\n| **Document type** | Q&A |\n| **Legal nature** | Not legislation |\n| **Addressees** | Not stated in the document |\n| **Dates** | Published 12 March 2021; question submitted 4 July 2018 |\n| **Legal basis** | Article 97(1) PSD2 |\n| **Related instruments** | None recorded |\n| **Text on this page** | Word for word — the full text of the EBA publication |\n\n**On the application of SCA when cancelling a payment transaction**\n\n### Question\n\nShould Account Servicing Payment Service Providers (ASPSPs) apply strong customer authentication (SCA) when cancelling recurring transactions?\n\n### Background\n\nAs the EBA’s opinion states that the API should allow for (the possibility of cancelling an initiated transaction in accordance with PSD2, including recurring transactions (table 1, line 9, p.3), ASPSPs have asked us whether they had to perform SCA in case a cancellation occurs through a Payment Initiation Service Provider (PISP), because it could be argued that cancellation of a transaction “may imply a risk of fraud or other abuses” as per Article 97.1(c) of PSD2, and therefore should require a SCA as per the same article. This is of importance for ASPSPs and TPPs as:\n\n- It could have an impact on the workflows of online banking spaces (for ASPSPs only, ie. should ASPSPs prepare a specific workflow for SCA in case of a cancellation of a transaction?)\n\n- it could have an impact on the workflows of the API (i.e should a complementary workflow for SCA in case of cancellation through the API be prepared or not?)\n\n***\n\n### Answer\n\nThe act of cancelling a recurrent transaction via a remote channel may imply a risk of fraud or other abuses pursuant to Article 97(1)(c) Directive 2015/2366/EU (PSD2).\n\nTherefore strong customer authentication (SCA) is required to cancel a recurrent transaction, including when using a Payment Initiation Service Provider (PISP).\n\nDisclaimer:\n\nThe answers clarify provisions already contained in the applicable legislation. They do not extend in any way the rights and obligations deriving from such legislation nor do they introduce any additional requirements for the concerned operators and competent authorities. The answers are merely intended to assist natural or legal persons, including competent authorities and Union institutions and bodies in clarifying the application or implementation of the relevant legal provisions. Only the Court of Justice of the European Union is competent to authoritatively interpret Union law. The views expressed in the internal Commission Decision cannot prejudge the position that the European Commission might take before the Union and national courts.\n\n***\n\n**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4083)\n\n## Related Level 1 articles\n\n- [Article 97 — Authentication](../../../articles/97.md)\n"}