{"release":{"id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","published":"2026-11-01T16:41:30Z","pinned":false},"limits":{"coverage":{"history":"current_only","held_since":"2026-05-11","gaps":[],"covered":["EBA Q&A 2025_7605 — Q&A — Obstacle assessment of requiring an additional [Rejected question] 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-2025-7605-obstacle-assessment-of-requiring-an-additional-sca-for-pis","url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7605-obstacle-assessment-of-requiring-an-additional-sca-for-pis","title":"EBA Q&A 2025_7605 — Q&A — Obstacle assessment of requiring an additional [Rejected question]","family":"l3","work_id":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2025-7605-obstacle-assessment-of-requiring-an-additional-sca-for-pis","status":"rejected question","force_status":null,"date_state":"current","requested_date":null,"as_of":"2026-11-01","applies_from":null,"application":null,"version_label":"EBA Q&A register, 11 May 2026","check":{"against":"the EBA publication","on":"2026-10-26"},"check_result":"matched","official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7605","valid_from":"0001-01-01","valid_until":null,"revision":1,"content_id":"8e977ae481b3088b","change_date":null,"nearest_versions":["2026-05-11"],"first_text_date":null,"correction_applies":false,"versions":["2026-05-11"],"version_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7605-obstacle-assessment-of-requiring-an-additional-sca-for-pis/versions/2026-05-11","revision_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7605-obstacle-assessment-of-requiring-an-additional-sca-for-pis/versions/2026-05-11/rev/8e977ae481b3088b","versions_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7605-obstacle-assessment-of-requiring-an-additional-sca-for-pis/versions","relations_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7605-obstacle-assessment-of-requiring-an-additional-sca-for-pis/relations","source_line":"Question published in the EBA Q&A tool · no answer · not legislation · published 11 May 2026 [Rejected question]","attribution":{"prepared_by":"not stated in the document","published_by":"EBA","published_in":"EBA Single Rulebook Q&A tool","document_type":"qa_question","legal_nature":"not_legislation","addressees":"not stated in the document","dates":{"published_on":"2026-05-11","question_submitted_on":"2025-10-17","locators":{"published_on":"EBA Q&A register entry 2025_7605, field 'Rejected publishing date'","question_submitted_on":"EBA Q&A register entry 2025_7605, field 'Submission date'"}},"adoption":null}},"provenance":{"official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7605","check":{"result":"matched","checked_at":"2026-10-26","against":"the EBA publication"},"repo_path":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2025-7605-obstacle-assessment-of-requiring-an-additional-sca-for-pis.md","body_sha256":"0c3aa933a0af98854bcbd968a2876ae13ddac46f22777f76aec952203ba9b8a4"},"units":[],"markdown":"---\ntitle: \"EBA Q&A 2025_7605 — Q&A — Obstacle assessment of requiring an additional [Rejected question]\"\nshortTitle: \"EBA Q&A 2025_7605 — Q&A — Obstacle assessment of requiring an additional [Rejected question]\"\nanswer_id: EBA_QA_2025_7605\nstatus: \"Rejected question\"\ntype: qa\ninstrument_type: qa\nauthority: EBA\nbinding: false\nbinding_character: non_binding\nlegal_status: withdrawn\nregulation: \"PSD2\"\npsd2_level3: true\nmica_level2: false\nlegal_basis: \"PSD2\"\ndate: 11 May 2026\nsource_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7605\nlifecycle: \"Rejected question\"\ntext_version: \"EBA Q&A register, 11 May 2026\"\nsource_url: \"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7605\"\ncheck_status: matched\nverified: true\nlast_checked: 2026-10-26\nchecked_against: \"the EBA publication\"\nsource:\n  prepared_by: \"not stated in the document\"\n  published_by: \"EBA\"\n  published_in: \"EBA Single Rulebook Q&A tool\"\n  evidence:\n    prepared_by: \"Other\"\n    locator: \"EBA Q&A register entry 2025_7605: no answer; the register names only the 'Type of submitter'\"\ndocument_type: \"qa_question\"\nlegal_nature: \"not_legislation\"\naddressees: \"not stated in the document\"\ndates:\n  published_on: \"2026-05-11\"\n  question_submitted_on: \"2025-10-17\"\n  locators:\n    published_on: \"EBA Q&A register entry 2025_7605, field 'Rejected publishing date'\"\n    question_submitted_on: \"EBA Q&A register entry 2025_7605, field 'Submission date'\"\nlifecycle_label: \"Rejected question\"\n---\n\n**Question published in the EBA Q&A tool · no answer · not legislation · published 11 May 2026 [Rejected question]**\n\n*Rejected question · EBA Q&A register, 11 May 2026 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7605)*\n\n| | |\n|---|---|\n| **Full title** | EBA Q&A 2025_7605 — Q&A — Obstacle assessment of requiring an additional \\[Rejected question\\] |\n| **Prepared by** | Not stated in the document |\n| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |\n| **Reference** | EBA_QA_2025_7605 |\n| **Document type** | Q&A |\n| **Legal nature** | No answer · not legislation |\n| **Addressees** | Not stated in the document |\n| **Dates** | Published 11 May 2026; question submitted 17 October 2025 |\n| **Legal basis** | PSD2 |\n| **Related instruments** | None recorded |\n| **Text on this page** | Word for word — the full text of the EBA publication |\n\n**Obstacle assessment of requiring an additional SCA for PIS within an existing authenticated AIS session**\n\n### Question\n\nIf a Payment Service User (PSU) initiates a payment (PIS) immediately after establishing a session for an Account Information Service (AIS) (for which SCA has already been performed), does the ASPSP's requirement for an additional, separate SCA—such as the need to fully log in to the mobile banking app before the payment confirmation screen is displayed—solely to access the payment function (and preceding the dynamic linking SCA) constitute an obstacle under Article 32(3) of the RTS?\n\n### Background\n\nArticle 32(3) of the RTS prohibits obstacles, and the EBA Opinion on obstacles (EBA/OP/2020/10), particularly paragraph 26, addresses the issue of requiring multiple Strong Customer Authentications (SCAs) for a single payment initiation.\n\nA common user journey involves a PSU first establishing an authenticated session with their ASPSP via an AISP to view their account information, for which SCA is applied. Immediately thereafter, within the same continuous session, the PSU decides to initiate a payment (PIS) through the same TPP. In this scenario, some ASPSPs require the PSU to perform a second, separate SCA (e.g., a full login to their mobile banking app) merely to \"access\" the payment functionality, before being presented with the payment details for a third SCA (the dynamic linking one).\n\nThis practice imposes an additional, seemingly redundant SCA event into what should be a seamless user journey, creating friction and confusion for the user.\n\n***\n\n### Answer\n\nThis question has been rejected because EBA guidance or clarification is not needed. The question has already been addressed in paragraphs 22 - 28 of the EBA Opinion on obstacles (EBA/OP/2020/10).\n\n***\n\n**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7605)\n"}