[zinekeller]

You're right that it's not fully enforced technically. It's complicated, and I don't think that's really solvable by technology (being that this scenario is roughly equivalent to direct debiting). Banks can validate if a particular merchant has already been used by a customer and blocking them from debiting your account, but since that SCA has exceptions for recurring debiting, this is not really enforcable once the customer has authorized the merchant for any debiting.

[lmz]

Of course it's enforceable technically. Any exemption is up to the issuer.

https://www.checkout.com/blog/exemptions-to-sca

> If you attempt an exemption and the bank returns a decline code indicating that the payment failed due to missing authentication, you’ll have to reattempt the payment with your customer but this time utilizing SCA.