Line4

2 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Via remote payment initiation channel without strong customer authentication must equal the sum of its eight parts (EBA rule v09164_m)

A warning in the payment fraud return (PSD2 fraud reporting), on template Y 06.01, e-money payment transactions.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Via remote payment initiation channel without strong customer authentication must equal these eight added up:

  • Low value (Article 16 of the RTS)
  • Trusted beneficiary (Article 13 of the RTS)
  • Recurring transaction (Article 14 of the RTS)
  • Payment to self (Article 15 of the RTS)
  • Use of secure corporate payment processes or protocols (Article 17 of the RTS)
  • Transaction risk analysis (Article 18 of the RTS)
  • Merchant initiated transactions
  • Others

EBA checks it for two columns: payment transactions and fraudulent payment transactions. And 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 twelve 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.

Payment transactions: Low value (Art.16 RTS), Cross-border within the EEA number of transactions + Trusted beneficiary (Art.13 RTS), Cross-border within the EEA number of transactions + Recurring transaction (Art.14 RTS), Cross-border within the EEA number of transactions + Payment to self (Art. 15 RTS), Cross-border within the EEA number of transactions + Use of secure corporate payment processes or protocols (Art. 17 RTS), Cross-border within the EEA number of transactions + Transaction risk analysis (Art.18 RTS), Cross-border within the EEA number of transactions + Merchant initiated transactions, Cross-border within the EEA number of transactions + Others, Cross-border within the EEA number of transactions = Of which authenticated via non-strong customer authentication, 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 cell, 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 06.01 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

E-money payment transactions (Y 06.01)

Rows

  • 0080Of which authenticated via non-strong customer authentication
  • 0140Low value (Art.16 RTS)
  • 0150Trusted beneficiary (Art.13 RTS)
  • 0160Recurring transaction (Art.14 RTS)
  • 0170Payment to self (Art. 15 RTS)
  • 0180Use of secure corporate payment processes or protocols (Art. 17 RTS)
  • 0190Transaction risk analysis (Art.18 RTS)
  • 0200Merchant initiated transactions
  • 0210Others

Columns

  • 0010Payment transactions
  • 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
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_06.01,r0140,c0010,s0040} + {Y_06.01,r0150,c0010,s0040} + {Y_06.01,r0160,c0010,s0040} + {Y_06.01,r0170,c0010,s0040} + {Y_06.01,r0180,c0010,s0040} + {Y_06.01,r0190,c0010,s0040} + {Y_06.01,r0200,c0010,s0040} + {Y_06.01,r0210,c0010,s0040} = {Y_06.01,r0080,c0010,s0040}

The next five:

{Y_06.01,r0140,c0020,s0020} + {Y_06.01,r0150,c0020,s0020} + {Y_06.01,r0160,c0020,s0020} + {Y_06.01,r0170,c0020,s0020} + {Y_06.01,r0180,c0020,s0020} + {Y_06.01,r0190,c0020,s0020} + {Y_06.01,r0200,c0020,s0020} + {Y_06.01,r0210,c0020,s0020} = {Y_06.01,r0080,c0020,s0020}{Y_06.01,r0140,c0010,s0050} + {Y_06.01,r0150,c0010,s0050} + {Y_06.01,r0160,c0010,s0050} + {Y_06.01,r0170,c0010,s0050} + {Y_06.01,r0180,c0010,s0050} + {Y_06.01,r0190,c0010,s0050} + {Y_06.01,r0200,c0010,s0050} + {Y_06.01,r0210,c0010,s0050} = {Y_06.01,r0080,c0010,s0050}{Y_06.01,r0140,c0020,s0040} + {Y_06.01,r0150,c0020,s0040} + {Y_06.01,r0160,c0020,s0040} + {Y_06.01,r0170,c0020,s0040} + {Y_06.01,r0180,c0020,s0040} + {Y_06.01,r0190,c0020,s0040} + {Y_06.01,r0200,c0020,s0040} + {Y_06.01,r0210,c0020,s0040} = {Y_06.01,r0080,c0020,s0040}{Y_06.01,r0140,c0010,s0010} + {Y_06.01,r0150,c0010,s0010} + {Y_06.01,r0160,c0010,s0010} + {Y_06.01,r0170,c0010,s0010} + {Y_06.01,r0180,c0010,s0010} + {Y_06.01,r0190,c0010,s0010} + {Y_06.01,r0200,c0010,s0010} + {Y_06.01,r0210,c0010,s0010} = {Y_06.01,r0080,c0010,s0010}{Y_06.01,r0140,c0020,s0030} + {Y_06.01,r0150,c0020,s0030} + {Y_06.01,r0160,c0020,s0030} + {Y_06.01,r0170,c0020,s0030} + {Y_06.01,r0180,c0020,s0030} + {Y_06.01,r0190,c0020,s0030} + {Y_06.01,r0200,c0020,s0030} + {Y_06.01,r0210,c0020,s0030} = {Y_06.01,r0080,c0020,s0030}

And 6 more, the same formula for the other cells it covers.

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.