<p></p>
<blockquote>
<p><a class="user-mention" data-hovercard-type="user" data-hovercard-url="/users/pazza83/hovercard" data-octo-click="hovercard-link-click" data-octo-dimensions="link_type:self" href="https://github.com/pazza83">@pazza83</a> please open a separate issue, under bisq-network/bisq to track this to avoid muddling the discussion in this issue.</p>
</blockquote>
<p>After reviewing this and considering the comments from <a class="user-mention" data-hovercard-type="user" data-hovercard-url="/users/RefundAgent/hovercard" data-octo-click="hovercard-link-click" data-octo-dimensions="link_type:self" href="https://github.com/RefundAgent">@RefundAgent</a>:</p>
<blockquote>
<p>Euro should not be subject to these limits, since SCA as part of PSD2 is being rapidly implemented in the Euro-area with most countries being fully compliant and the rest following in rapid succession: <a href="https://okaythis.com/blog/sca-deadlines-across-europe" rel="nofollow">https://okaythis.com/blog/sca-deadlines-across-europe</a></p>
</blockquote>
<p>I think it is not appropriate to remove Signing Requirements for SEPA.</p>
<p>SEPA chargebacks would still be an issue. SEPA payment scheme has provision for 'Request for Recall" for multiple reasons. More information can be found here:</p>
<p><a href="https://github.com/bisq-network/proposals/files/6490221/EPC135-18.v2.0.Guidance.on.Reason.Codes.for.SCT.R-transactions.pdf">EPC135-18 v2.0 Guidance on Reason Codes for SCT R-transactions.pdf</a></p>
<p>The fact that a request for recall exists means that change backs are a risk and therefore all SEPA payment methods should keep there account signing requirements.</p>

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