Exemption Engine

Introduction

Bien que 3-D Secure soit désormais obligatoire pour les transactions en ligne, la réglementation autour des SCA offre la possibilité de l'ignorer dans certains cas. Trouver le bon équilibre entre expérience client, taux de conversion et Prévention de la fraude n'est pas toujours facile.

C'est pourquoi nous sommes heureux de vous offrir la fonctionnalité Exemption Engine. Celle-ci implémente ce processus en :

• Examinant les transactions entrantes pour appliquer ou non 3-D Secure de manière appropriée.
• Guidant le flux vers du Soft Decline et/ou vers du challenge/frictionless lorsque cela est applicable.

Vous pouvez continuer à envoyer tout votre flux à un seul compte, car le Exemption Engine filtrera automatiquement vos transactions qui ne sont pas éligibles aux exemptions.

The following exemptions are in scope:

• Low amount transactions: For transactions below 30€ (or equivalent in another currency). However, SCA is applicable if your customers make either
  
  • Five consecutive transactions without authentication
    Or
  • A transaction higher than 100€
    
    In cases like these, the issuer refuses the exemption and we will reinitiate SCA
    
    
• Acquirer Transaction Risk Analysis (TRA): For transactions considered low fraud risk. As your acquirer is liable and overlooks the overall portfolio of the transactions (transaction value, fraud rate), it grants an exemption or not. Contact your acquirer for details

Les éléments suivants sont hors du champ d'application :

• Transactions pour les méthodes de paiement :
  JCB
  Diners Club
• Pour les transactions que vous envoyez avec le paramètre cardPaymentMethodSpecificInput.threeDSecure.challengeIndicator (pour les Card On File).
• Transactions supérieures à 500€.
• Transactions hors du champ d'application de la SCA.

En se basant sur le contexte transactionnel global, notre plateforme choisira automatiquement de déployer ou non le 3-D Secure et pilotera l'ensemble du flux de paiement en conséquence.

Understand payment flow

Our Exemption Engine is available for or all our integration modes and blends in seamlessly in the payment flow.

1. You send a CreatePayment/CreateHostedCheckout request to our platform, including at least the mandatory 3-D Secure and as many Prévention de la fraude properties as possible
2. Your Prévention de la fraude module calculates the Global Fraud Score and checks whether the transaction is applicable for the Exemption Engine flow:
   a. If any of the criteria is met, the flow continues at 3
   b. If not, the flow continues at 4
3. We submit the actual financial transaction to the acquirer to process it. We receive the transaction result. The flow continues at 7
4. We submit the actual financial transaction to the acquirer with a preference for frictionless flow. If the issuer does not accept the frictionless flow, we will automatically recover the transaction via Soft Decline
5. We receive the transaction result
6. We redirect your customer to your returnUrl
7. You request the transaction result from our platform via GetPayment or receive the result via webhooks
8. If the transaction was successful, you can deliver the goods / service

Integrate Exemption Engine

To use the Exemption Engine, make sure to fulfil these requirements:

• Contact us to inform us you would like to use the Exemption Engine. Provide us with a list of PSPIDs so we can configure them accordingly
• Activate either Fraud Expert Scoring or Fraud Expert Checklist, as the Exemption Engine is part of these modules. Configure it properly and send as many Fraud Prevention properties in your CreateHostedCheckout/CreatePayment request as possible. Contact us to activate and set it up for you
• Make sure your integration complies to SCA by sending at the mandatory parameters for 3-D Secure

Depending on the integration mode, differences apply. Find an example for all in the "Intégration" tab for the respective payment. Make sure to add as many Prévention de la fraude properties as possible:

American Express
MasterCard
Visa