PSD2 SCA & Unauthorised-Transaction Liability (Arts. 72-74, 97) · vPSD2 — Directive (EU) 2015/…

PSD2 SCA & Unauthorised-Transaction Liability (Arts. 72-74, 97)

PSD2 SCA & Unauthorised-Transaction Liability (Arts. 72-74, 97) — 75% covered.

4 requirements · 3 enforced · 0 designed · 0 advisory · 0 deferred.

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

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
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

IDTitleStatusKYE™ 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.v1
engines: internal
rule_packs: kye:rule-pack:chargeback-evidence
dictionaries: internal
constitution_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.v1
engines: internal, internal
rule_packs: kye:rule-pack:chargeback-evidence
constitution_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.v1
engines: internal, internal
rule_packs: kye:rule-pack:chargeback-evidence
constitution_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)