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1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Fraudulent payment transactions cannot be negative (Y 05.01, EBA rule v09216_s)

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

Fraudulent payment transactions cannot be negative.

EBA checks it for nine rows, from cash withdrawals (0010) to manipulation of the payer to make a cash withdrawal (0110). 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 54 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: Cash withdrawals, Domestic amount of payment >= 0

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Look for a value with the wrong sign in these cells, such as an amount entered as a negative number.
  3. 03EBA compares the values exactly here: there is no rounding tolerance.
  4. 04It runs only when your filing indicators mark Y 05.01 as reported.
  5. 05This 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

  • 0010Cash withdrawals
  • 0030Of which cash withdrawals with cards with a debit function
  • 0040Of which cash withdrawals with cards with a credit or delayed debit function
  • 0060Issuance of a payment order (cash withdrawal) by the fraudster
  • 0070Lost or stolen card
  • 0080Card not received
  • 0090Counterfeit card
  • 0100Other
  • 0110Manipulation of the payer to make a cash withdrawal

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.

What the rule then expects

Cash withdrawals, fraudulent payment transactions must then be at least 0.

0Passes
-100Fails

A file that reports 0 passes. One that reports -100 fails, by 100.

The numbers are illustrative.

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,r0010,c0020,s0010} >= 0

The next five:

{Y_05.01,r0040,c0020,s0020} >= 0{Y_05.01,r0090,c0020,s0040} >= 0{Y_05.01,r0100,c0020,s0010} >= 0{Y_05.01,r0010,c0020,s0060} >= 0{Y_05.01,r0060,c0020,s0020} >= 0

And 48 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.