There are certain circumstances where you may prefer transactions be subject to more stringent EMV 3D Secure authentication. To allow for this, you can submit the additional field scaexemptionindicator in THREEDQUERY requests to the Trust Payments gateway with one of the following supported values:
- scaexemptionindicator=13 - This will request the card issuer performs a step up (challenge) authentication with EMV 3DS, but if the card issuer deems this unnecessary, frictionless authentication will occur and the card issuer will assume liability in most circumstances.
- scaexemptionindicator=14 - This will request the card issuer performs a step up (challenge) authentication with EMV 3DS in all circumstances.
For further information regarding different integrations, please refer to the sections provided below:
- Update your POST to Trust Payments to include the field scaexemptionindicator with one of the following supported values:
| Field | Format | Description | |
| Conditional | scaexemptionindicator | Numeric (2) |
In situations where a soft decline response has been returned, scaexemptionindicator=14 must be included in the POST in order to trigger step up authentication. |
Example
<html>
<body>
<form method="POST" action="<DOMAIN>/process/payments/choice">
<input type="hidden" name="sitereference" value="test_site12345">
<input type="hidden" name="stprofile" value="default">
<input type="hidden" name="currencyiso3a" value="GBP">
<input type="hidden" name="mainamount" value="1.00">
<input type="hidden" name="version" value="2">
<input type="hidden" name="scaexemptionindicator" value="14">
<input type="submit" value="Pay">
</form>
</body>
</html>
Replace <DOMAIN> with a supported domain. View full domain list.
Update the JWT payload to include the field scaexemptionindicator with one of the following supported values:
| Field | Format | Description | |
| Conditional | scaexemptionindicator | Numeric (2) |
In situations where a soft decline response has been returned, scaexemptionindicator=14 must be included in the payload in order to trigger step up authentication. |
You will need to ensure the THREEDQUERY submitted includes the field scaexemptionindicator with one of the following supported values:
| Field | Format | Description | |
| Conditional | scaexemptionindicator XPath: /operation/scaexemptionindicator |
Numeric (2) |
In situations where payment credentials are being stored or a soft decline response has been returned, scaexemptionindicator=14 must be included in the payload in order to trigger step up authentication. |
Update the JWT payload to include the field scaexemptionindicator with one of the following supported values:
| Field | Format | Description | |
| Conditional | scaexemptionindicator | Numeric (2) |
In situations where a soft decline response has been returned, scaexemptionindicator=14 must be included in the payload in order to trigger step up authentication. |
If you are using your own MPI
Contact your 3DS Server (MPI) provider to request the AReq message to be updated to include one of the following values:
- Challenge Indicator = 03 - Step up authentication (Challenge) requested (3DS Requestor preference).
- Challenge Indicator = 04 - Step up authentication (Challenge) requested (Mandate).
