Implementing SCA exemptions

How to begin implementing SCA exemptions and what to do if they fail.


These SCA exemptions will be important in minimising (or even eliminating) the friction caused by the additional authorisation process. But how do you go about making sure these exemptions are actually triggered when a customer is making a purchase?

To begin with, it will require PSPs and ASPSPs to work together and to look to utilise common standards e.g. 3DS2.

What if an exemption fails?

While the list of exemptions is now quite clear, the end customer’s bank will ultimately decide whether an exemption is valid. If an exemption is not granted, the payment will trigger a decline code. The payment will need to be resubmitted and authorised using Strong Customer Authentication protocols.

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