{"release":{"id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","published":"2026-11-01T16:41:30Z","pinned":false},"limits":{"coverage":{"history":"current_only","held_since":"2019-12-06","gaps":[],"covered":["EBA Q&A 2019_4740 — Q&A — Compliance with SCA in offline mode on an aircraft [Final Q&A] L3"],"not_covered":["national guidance","court decisions"]},"freshness":{"release_id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","release_published":"2026-11-01T16:41:30Z","checked_at":"2026-10-26","checked_against":"the EBA publication"},"truncation":null,"failures":[],"incomplete":[]},"page":{"path":"/psd2/level-3/q-and-a/eba/eba-qa-2019-4740-compliance-with-sca-in-offline-mode-on-an-aircraft-without","url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4740-compliance-with-sca-in-offline-mode-on-an-aircraft-without","title":"EBA Q&A 2019_4740 — Q&A — Compliance with SCA in offline mode on an aircraft [Final 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by the EBA, published in its Q&A tool · not legislation · published 6 Dec 2019 [Final Q&A]","attribution":{"prepared_by":"EBA","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":"2019-12-06","question_submitted_on":"2019-05-24","locators":{"published_on":"EBA Q&A register entry 2019_4740, field 'Final publishing date'","question_submitted_on":"EBA Q&A register entry 2019_4740, field 'Submission date'"}},"adoption":null}},"provenance":{"official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4740","check":{"result":"matched","checked_at":"2026-10-26","against":"the EBA publication"},"repo_path":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2019-4740-compliance-with-sca-in-offline-mode-on-an-aircraft-without.md","body_sha256":"1af019e55cc649f3c300b79884c526dda2099baf24bc6f0799afa21bf44899e8"},"units":[],"markdown":"---\ntitle: \"EBA Q&A 2019_4740 — Q&A — Compliance with SCA in offline mode on an aircraft [Final Q&A]\"\nshortTitle: \"EBA Q&A 2019_4740 — Q&A — Compliance with SCA in offline mode on an aircraft [Final Q&A]\"\nanswer_id: EBA_QA_2019_4740\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: 6 December 2019\nsource_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4740\nlifecycle: \"Final Q&A\"\ntext_version: \"EBA Q&A register, 6 December 2019\"\nsource_url: \"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4740\"\ncheck_status: matched\nverified: true\nlast_checked: 2026-10-26\nchecked_against: \"the EBA publication\"\nsource:\n  prepared_by: \"EBA\"\n  published_by: \"EBA\"\n  published_in: \"EBA Single Rulebook Q&A tool\"\n  evidence:\n    prepared_by: \"Answer prepared by the EBA.\"\n    locator: \"EBA Q&A register entry 2019_4740, field 'Answer prepared by'\"\ndocument_type: \"qa_answer\"\nlegal_nature: \"not_legislation\"\naddressees: \"not stated in the document\"\ndates:\n  published_on: \"2019-12-06\"\n  question_submitted_on: \"2019-05-24\"\n  locators:\n    published_on: \"EBA Q&A register entry 2019_4740, field 'Final publishing date'\"\n    question_submitted_on: \"EBA Q&A register entry 2019_4740, field 'Submission date'\"\nlifecycle_label: \"Final Q&A\"\n---\n\n**Answer by the EBA, published in its Q&A tool · not legislation · published 6 Dec 2019 [Final Q&A]**\n\n*Final Q&A · EBA Q&A register, 6 December 2019 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4740)*\n\n| | |\n|---|---|\n| **Full title** | EBA Q&A 2019_4740 — Q&A — Compliance with SCA in offline mode on an aircraft \\[Final Q&A\\] |\n| **Prepared by** | EBA |\n| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |\n| **Reference** | EBA_QA_2019_4740 |\n| **Document type** | Q&A |\n| **Legal nature** | Not legislation |\n| **Addressees** | Not stated in the document |\n| **Dates** | Published 6 December 2019; question submitted 24 May 2019 |\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**Compliance with SCA in offline mode on an aircraft without internet connection**\n\n### Question\n\nHow can Strong Customer Authentication (SCA) be applied in an offline environment onboard an airplane when chip and pin cannot be verified with a Point of Sale (POS) device? Specifically, how is dynamic linking achieved in an offline mode for airlines who don't have internet connectivity but instead have a closed wireless network to be able to make purchases onboard an aircraft?\n\n### Background\n\nThis question is on behalf of airline companies that offer passengers the ability to purchase goods inflight through their onboard intranet. There is no outbound internet connectivity, but rather an onboard network that allows passengers to use their personal devices to access the Airline's passenger portal and make purchases for drinks, movies, and services once they land i.e. car hires, hotels, tours etc. The problem we are coming across is when a passenger is about to check out while inflight, they will need a verification code sent to them via SMS or email. This is not feasible if the airplane does not have internet connection for the code to be sent to the passenger to verify the transaction. Additionally, the purchases cannot be verified with chip/PIN using a POS device because not all airlines have a POS device to process these payments.\n\n***\n\n### Answer\n\nArticle 97(1)(b) of Directive 2015/2366/EU (PSD2) prescribes that the payment service provider (PSP) shall apply ‘strong customer authentication (SCA) where the payer initiates an electronic payment transaction’.\n\nTherefore, in the case where the payer initiates an electronic card-based payment transaction at a Point of Sale (POS) in offline mode or through a remote channel (the internet), the issuer shall apply Strong Customer Authentication (SCA) to that transaction, unless an exemption from SCA applies in accordance with Articles 11– 18 of the Delegated Regulation (EU) 2018/389. Other exemptions from SCA to those specified within the Delegated Regulation are not available.\n\nWith regard to remote electronic transactions, Articles 4 and 5 of the Delegated Regulation also apply.\n\nIn that regard, the specific case described above with a closed wireless network that does not have internet connectivity and does not use a POS terminal, may not allow SCA to be applied.\n\nIn the case where the airplane is equipped with a POS terminal working in offline mode, the payer may be able to initiate an electronic card-based payment transaction and subsequently apply SCA. As clarified in Q&A 2018\\_4055, the PIN can be transmitted and verified offline, provided that it meets the requirements of Articles 6(1), 22(1) and 22(4) of the Delegated Regulation.\n\n***\n\n**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_4740)\n\n## Related Level 1 articles\n\n- [Article 97 — Authentication](../../../articles/97.md)\n"}