Checkout, SCA & fraud — found from sitemap — PAYONE

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Facts read from this source

• Exemption engine Report an error

  “Therefore, we are happy to offer you the Exemption Engine feature. It implements this process by automatically: Scanning incoming transactions, rolling out or skipping 3-D Secure appropriately. Steering the flow to Soft Decline and/or challenge/frictionless flow when applicable.”

• Low amount exemption threshold Report an error

  “Low amount transactions: For transactions below 30€ (or equivalent in another currency).”

• Low amount exemption conditions Report an error

  “However, SCA is applicable if your customers make either Five consecutive transactions without authentication Or A transaction higher than 100€”

• Tra exemption Report an error

  “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.”

• Exemption out of scope Report an error

  “Transactions for payment methods: JCB Diners Club For transactions you send with parameter cardPaymentMethodSpecificInput.threeDSecure.challengeIndicator (i.e. for Card On File). Transactions above 500€. Transactions out of SCA scope.”

• Exemption supported methods Report an error

  “Exemption Engine is available for the following payment methods: American Express MasterCard Visa via all integration methods.”

• Exemption fraud prevention compat Report an error

  “Exemption Engine can be used together with our Fraud Prevention Silver/Fraud Prevention Gold solution.”

• Exemption soft decline fallback Report an error

  “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”

• Exemption activation requirements Report an error

  “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.”

• Exemption liability Report an error

  “If you use the Exemption Engine solution, you acknowledge and accept that a successful exemption does not always comply to the SCA protocol. Consequently, you are liable for these exemptions if these turn out to be fraudulent.”

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