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Take control of PSD2 with our Exemption Engine

You still have the possibility to reduce customer friction during online checkout. With this dedicated feature, we make sure that exemptions to SCA (Strong Customer Authentication) are requested on your behalf every time possible.

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Maximise your conversion rate with a frictionless checkout process.

SCA is now mandatory for online transactions with some exemptions for low value or merchant initiated transactions and recurring payments. This brings with a high level of complexity to the merchant when deciding if they should prioritise customer experience or preventing fraud.

Don't worry, we make it easy for you! The Exemption Engine is built to maximise your conversion rates with a frictionless checkout process by predicting issuer behaviour using our vast transactional data. It performs real-time risk analysis per transaction and automatically selects the most appropriate exemption so that as many transactions as possible are exempted from SCA.

Frictionless checkout

Every step and click in your checkout process counts and can outline the difference between a purchase and an abandoned basket. The multi-factor authentication step in SCA increases security and reduces fraud, but it can deeply impact your customers' overall experience, adding friction to the checkout process and leading to abandonments.
The Exemption Engine minimises friction in your checkout process by skipping the SCA step where possible.

Manage risk and reduce fraud

PSD2 guidelines allow you to request exemptions and skip SCA. However, exemptions are not guaranteed and the issuer may insist on SCA, resulting in declined transactions. With our Exemption Engine, we analyse your transactions in real-time and apply or skip SCA appropriately. You also benefit from our Soft Decline mechanism, where declined transactions are retried automatically with SCA to avoid lost sales.

Streamline your operations

We did the hard work, so you don't have to. Our powerful engine screens through the right data to select the best exemptions for your transactions. And our knowledge, acquiring reach, and links to issuers mean significant data to select the best SCA risk decisions for you.

Benefit from one integration that covers your end-to-end payment process, with or without SCA without compromising on safety.

How does it work?

Exemption requests follow a predefined flow.

Benefits at a glance.

The Exemption Engine is a powerful free-to-use feature available through our Fraud Expert module. This is available only through our latest integration layer (add hyperlink for integration layer to the Direct support site) and the Fraud Expert module must be active in your back office.

Contract your account manager or a payment advisor below if you would like to activate the Exemption Engine today for your online store.

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