Line4

1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Issuance of a payment order (cash withdrawal) by the fraudster must equal the sum of its four parts (EBA rule v09158_m)

A warning in the payment fraud return (PSD2 fraud reporting), on template Y 05.01, cash withdrawals using cards transactions reported by the card issuer’s payment service provider.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Issuance of a payment order (cash withdrawal) by the fraudster must equal these four added up:

  • Lost or stolen card
  • Card not received
  • Counterfeit card
  • Other

All the values are in the fraudulent payment transactions column (0020) of Y 05.01.

EBA checks it on six sheets: domestic amount of payment, domestic number of transactions, cross-border within the EEA amount of payments, cross-border within the EEA number of transactions, cross-border outside the EEA amount of payments and cross-border outside the EEA number of transactions. That makes six 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: Lost or stolen card, Cross-border outside the EEA number of transactions + Card not received, Cross-border outside the EEA number of transactions + Counterfeit card, Cross-border outside the EEA number of transactions + Other, Cross-border outside the EEA number of transactions = Issuance of a payment order (cash withdrawal) by the fraudster, Cross-border outside 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  3. 03If they differ, a part is missing, a value sits in the wrong row, or the total is out of date.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 05.01 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

Cash withdrawals using cards transactions reported by the card issuer’s payment service provider (Y 05.01)

Rows

  • 0060Issuance of a payment order (cash withdrawal) by the fraudster
  • 0070Lost or stolen card
  • 0080Card not received
  • 0090Counterfeit card
  • 0100Other

Column

  • 0020Fraudulent payment transactions

Sheets

  • 0010Domestic amount of payment
  • 0020Domestic number of transactions
  • 0030Cross-border within the EEA amount of payments
  • 0040Cross-border within the EEA number of transactions
  • 0050Cross-border outside the EEA amount of payments
  • 0060Cross-border outside the EEA number of transactions

A worked example

The first of its checks, with simple numbers.

Illustrative values
Lost or stolen card1,200
Card not received800
Counterfeit card450
Other300
Together2,750
What the rule then expects

Issuance of a payment order (cash withdrawal) by the fraudster must then be 2,750.

2,750Passes
2,850Fails

A file that reports 2,750 passes. One that reports 2,850 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_05.01,r0070,c0020,s0060} + {Y_05.01,r0080,c0020,s0060} + {Y_05.01,r0090,c0020,s0060} + {Y_05.01,r0100,c0020,s0060} = {Y_05.01,r0060,c0020,s0060}

The next five:

{Y_05.01,r0070,c0020,s0020} + {Y_05.01,r0080,c0020,s0020} + {Y_05.01,r0090,c0020,s0020} + {Y_05.01,r0100,c0020,s0020} = {Y_05.01,r0060,c0020,s0020}{Y_05.01,r0070,c0020,s0030} + {Y_05.01,r0080,c0020,s0030} + {Y_05.01,r0090,c0020,s0030} + {Y_05.01,r0100,c0020,s0030} = {Y_05.01,r0060,c0020,s0030}{Y_05.01,r0070,c0020,s0010} + {Y_05.01,r0080,c0020,s0010} + {Y_05.01,r0090,c0020,s0010} + {Y_05.01,r0100,c0020,s0010} = {Y_05.01,r0060,c0020,s0010}{Y_05.01,r0070,c0020,s0040} + {Y_05.01,r0080,c0020,s0040} + {Y_05.01,r0090,c0020,s0040} + {Y_05.01,r0100,c0020,s0040} = {Y_05.01,r0060,c0020,s0040}{Y_05.01,r0070,c0020,s0050} + {Y_05.01,r0080,c0020,s0050} + {Y_05.01,r0090,c0020,s0050} + {Y_05.01,r0100,c0020,s0050} = {Y_05.01,r0060,c0020,s0050}

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.