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1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Credit transfers initiated non-remotely with strong customer authentication must equal the sum of its three parts (EBA rule v09127_m)

A warning in the payment fraud return (PSD2 fraud reporting), on template Y 01.01, credit transfers transactions.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Credit transfers initiated non-remotely with strong customer authentication must equal these three added up:

  • Issuance of a payment order by the fraudster
  • Modification of a payment order by the fraudster
  • Manipulation of the payer by the fraudster to issue a payment order

All the values are in the fraudulent payment transactions column (0020) of Y 01.01.

EBA checks it on three sheets, all for number of transactions: domestic, cross-border within the EEA and cross-border outside the EEA. That makes three checks. A failure names the one that failed.

How the Line4 Check report words itShow

The first of its checks, word for word as the report shows it when it fails. The others read the same, with their own column, row or sheet.

Fraudulent payment transactions: Issuance of a payment order by the fraudster, Domestic number of transactions + Modification of a payment order by the fraudster, Domestic number of transactions + Manipulation of the payer by the fraudster to issue a payment order, Domestic number of transactions = Of which authenticated via strong customer authentication, Domestic number of transactions

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Add up the parts in your file and compare the result with the total.
  3. 03If they differ, a part is missing, a value sits in the wrong row, or the total is out of date.
  4. 04EBA allows a small rounding difference, worked out from the decimals each value is reported with.
  5. 05It runs only when your filing indicators mark Y 01.01 as reported.
  6. 06This is a warning. It does not stop the filing on its own, but your authority may ask you to explain it.

The cells it reads

Credit transfers transactions (Y 01.01)

Rows

  • 0240Of which authenticated via strong customer authentication
  • 0260Issuance of a payment order by the fraudster
  • 0270Modification of a payment order by the fraudster
  • 0280Manipulation of the payer by the fraudster to issue a payment order

Column

  • 0020Fraudulent payment transactions

Sheets

  • 0020Domestic number of transactions
  • 0040Cross-border within the EEA number of transactions
  • 0060Cross-border outside the EEA number of transactions

A worked example

The first of its checks, with simple numbers.

Illustrative values
Issuance of a payment order by the fraudster1,200
Modification of a payment order by the fraudster800
Manipulation of the payer by the fraudster to issue a payment order450
Together2,450
What the rule then expects

Credit transfers initiated non-remotely with strong customer authentication must then be 2,450.

2,450Passes
2,550Fails

A file that reports 2,450 passes. One that reports 2,550 fails, by 100.

The numbers are illustrative, reported to the unit, so the rounding tolerance does not change the result.

Show the rule as writtenShow

EBA's formula, as written out for the first of its checks. Cells are written as {template, row, column, sheet}.

{Y_01.01,r0260,c0020,s0020} + {Y_01.01,r0270,c0020,s0020} + {Y_01.01,r0280,c0020,s0020} = {Y_01.01,r0240,c0020,s0020}

The next two:

{Y_01.01,r0260,c0020,s0060} + {Y_01.01,r0270,c0020,s0060} + {Y_01.01,r0280,c0020,s0060} = {Y_01.01,r0240,c0020,s0060}{Y_01.01,r0260,c0020,s0040} + {Y_01.01,r0270,c0020,s0040} + {Y_01.01,r0280,c0020,s0040} = {Y_01.01,r0240,c0020,s0040}

Every PSD2 fraud reporting rule, by template

Checks like this one, run at the point of submission, are the first step to real-time supervision.