SCA Exemptions: Dynamic Exemption Management
Deliver first-class payments experiences by routing your hard-earned customers away from unnecessary step‑ups at checkout.
SCA Exemptions: Dynamic Exemption Management
Deliver first-class payments experiences by routing your hard-earned customers away from unnecessary step‑ups at checkout.
Understanding SCA exemptions
To help merchants reduce the friction brought on by strong customer authentication (SCA), PSD2 allows for some SCA exemptions from the 3DS2 authentication step-up. However, each issuing bank has different acceptance rates for each SCA exemption, which include:
- Low-risk payments
- B2B payments
- Trusted sellers
- International payments
- Mail or telephone orders
- Recurring payments
- Low-value payments (under 30€)
It all starts with transaction risk analysis (TRA)
By proactively performing TRA, exempt orders are automatically assessed and assigned a risk decision to confirm there are no red flags with the purchase, further ensuring the order is exempt from unnecessary SCA step-ups and routed down the most efficient checkout path.
Learn more about payment SCA & PSD2 strong customer authentication
The benefits of having a seamless authentication strategy
For merchants with an optimized exemption management strategy, SCA exemptions and the ability to bypass 3DS2 authentication provide a clear path to reducing checkout friction for customers. The result? Increases across the board in conversions, revenue and authorization rates.
Signifyd’s Dynamic Exemption Management solution
With Dynamic Exemption Management, merchants can maximise the number of transactions that are SCA-exempt and routed down a friction-free path to payment, enabling them to boost their authorization rates under PSD2.
Using Signifyd’s best-of-breed network data, more exemptions are identified and approved, and come with Signifyd’s 100% chargeback guarantee. And with fully transparent billing management, you will have complete visibility into SCA exemption rates and liability ownership – and will never pay for a liability shift twice. Benefit from Signifyd’s chargeback management and fraud management, and find out how to recover revenue today.