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1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Consent given in another form than an electronic mandate must equal the sum of its two parts (EBA rule v09133_m)

A warning in the payment fraud return (PSD2 fraud reporting), on template Y 02.01, direct debits transactions.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Consent given in another form than an electronic mandate must equal unauthorised payment transactions plus manipulation of the payer by the fraudster to consent to a direct debit.

All the values are in the fraudulent payment transactions column (0020) of Y 02.01.

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: Unauthorised payment transactions, Cross-border within the EEA number of transactions + Manipulation of the payer by the fraudster to consent to a direct debit, Cross-border within the EEA number of transactions = Of which consent given in another form than an electronic mandate, Cross-border within the EEA 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  3. 03If they differ, a part is missing, a value sits in the wrong row, or the total is out of date.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 02.01 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

Direct debits transactions (Y 02.01)

Rows

  • 0060Of which consent given in another form than an electronic mandate
  • 0080Unauthorised payment transactions
  • 0090Manipulation of the payer by the fraudster to consent to a direct debit

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
Unauthorised payment transactions1,200
Manipulation of the payer by the fraudster to consent to a direct debit800
Together2,000
What the rule then expects

Consent given in another form than an electronic mandate must then be 2,000.

2,000Passes
2,100Fails

A file that reports 2,000 passes. One that reports 2,100 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_02.01,r0080,c0020,s0040} + {Y_02.01,r0090,c0020,s0040} = {Y_02.01,r0060,c0020,s0040}

The next two:

{Y_02.01,r0080,c0020,s0020} + {Y_02.01,r0090,c0020,s0020} = {Y_02.01,r0060,c0020,s0020}{Y_02.01,r0080,c0020,s0060} + {Y_02.01,r0090,c0020,s0060} = {Y_02.01,r0060,c0020,s0060}

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.