There are certain circumstances where you may prefer transactions be subject to more stringent EMV 3-D 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 | |
| scaexemptionindicator | Numeric (1) |
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. Click here for a full list.
Update the JWT payload to include the field scaexemptionindicator with one of the following supported values:
| Field | Format | Description | |
| scaexemptionindicator | Numeric (1) |
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 | |
|
scaexemptionindicator |
Numeric (1) |
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. |
Update the JWT payload to include the field scaexemptionindicator with one of the following supported values:
| Field | Format | Description | |
| scaexemptionindicator | Numeric (1) |
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).
