There are certain scenarios where you, as a merchant, may deem the risk of fraud for a given transaction to be sufficiently low that you would prefer to bypass EMV 3D Secure authentication.
Trust Payments-acquired merchants can apply exemptions to transactions to significantly reduce the likelihood of a challenge ("Step Up") authentication flow being triggered by the card issuer — provided these are permitted by your acquiring bank.
Any transaction that your system flags as exempt from authentication is reviewed by the relevant card issuer prior to authorisation to check their pre-determined criteria for exemption have been met. They reserve the right to reject your request, in which case the transaction will still be subject to 3D Secure authentication. There are different types of exemptions that can be applied. It is your responsibility to assign the correct exemption and ensure the transaction meets the necessary criteria for said exemption.
Card issuers may enforce additional requirements for certain exemptions to be applied. They reserve the right to reject the request for an exemption. If this occurs, a soft decline may be returned in the Authorisation response, requiring further action to complete the transaction.
Trust Payments supports the following types of SCA exemption:
Transaction Risk Analysis (TRA)
TRA is a frequently-applied exemption that is designed to allow merchants who are processing low-risk transactions to process transactions without the need for additional verification methods.
Low Value Exemptions (LVE)
Low Value Exemptions (LVE) allow low-value transactions to bypass Strong Customer Authentication (SCA), reducing friction at checkout.
If you would like to start applying SCA Exemptions to your solution, please contact our Integration Team to discuss your requirements and we can provide the appropriate documentation.
