SCA Exemption Authorizations

This section shows you how to process an authorization with a strong customer authentication (SCA) exemption.

You can use SCA exemptions to streamline the payment process. SCA exemptions are part of the European second Payment Services Directive (PSD2) and allow certain types of low-risk transactions to bypass additional authentication steps while still remaining compliant with PSD2. You can choose which exemption can be applied to a transaction, but the card-issuing bank actually grants an SCA exemption during card authentication.

You can process an authorization with two types of SCA exemptions:

• Exemption on Authorization: Send an authorization without payer authentication and request an SCA exemption on the authorization. If it is not approved, you might be required to request further authentication upon retry.
• Exemption on Authentication: Request an SCA exemption during payer authentication and if successful, send an authorization including the SCA exemption details.

Depending on your processor, use one of these exemption fields:

• Authentication Outage: Payer authentication is not available for this transaction due to a system outage.
• B2B Corporate Card: Payment cards specifically for business-to-business transactions are exempt.
• Delegated Authentication: Payer authentication was performed outside of the authorization workflow.
• Follow-On Installment Payment: Installment payments of a fixed amount are exempt after the first transaction.
• Follow-On Recurring Payment: Recurring payments of a fixed amount are exempt after the first transaction.
• Low Risk: The average fraud levels associated with this transaction are considered low.
• Low Value: The transaction value does not warrant SCA.
• Merchant Initiated Transactions: As follow-on transactions, merchant-initiated transactions are exempt.
• Stored Credential Transaction: Credentials are authenticated before storing, so stored credential transactions are exempt.
• Trusted Merchant: Merchants registered as trusted beneficiaries.

For information about exemption test cases, see the Payer Authentication Developer Guide.

Endpoints

Example

This example processes an authorization with an SCA exemption for a low-value transaction.

{  "consumerAuthenticationInformation": {    "strongAuthentication": {      "lowValueExemptionIndicator": "1"    }  },  "orderInformation": {    "billTo": {      "country": "US",      "lastName": "Kim",      "address1": "201 S. Division St.",      "postalCode": "48104-2201",      "locality": "Ann Arbor",      "administrativeArea": "MI",      "firstName": "Kyong-Jin",      "email": "[email protected]"    },    "amountDetails": {      "totalAmount": "100.00",      "currency": "eur"    }  },  "paymentInformation": {    "card": {      "expirationYear": "2031",      "number": "CARD_NUMBER",      "expirationMonth": "12"    }  }}

{    "_links": {        "authReversal": {            "method": "POST",            "href": "/pts/v2/payments/6709780221406171803955/reversals"        },        "self": {            "method": "GET",            "href": "/pts/v2/payments/6709780221406171803955"        },        "capture": {            "method": "POST",            "href": "/pts/v2/payments/6709780221406171803955/captures"        }    },    "clientReferenceInformation": {        "code": "1670978022258"    },    "id": "6709780221406171803955",    "orderInformation": {        "amountDetails": {            "authorizedAmount": "100.00",            "currency": "eur"        }    },    "paymentAccountInformation": {        "card": {            "type": "001"        }    },    "paymentInformation": {        "tokenizedCard": {            "type": "001"        },        "card": {            "type": "001"        }    },    "pointOfSaleInformation": {        "terminalId": "123456"    },    "processorInformation": {        "approvalCode": "888888",        "networkTransactionId": "123456789619999",        "transactionId": "123456789619999",        "responseCode": "100",        "avs": {            "code": "X",            "codeRaw": "I1"        }    },    "reconciliationId": "62859554PBDEMI43",    "status": "AUTHORIZED",    "submitTimeUtc": "2022-12-14T00:33:42Z"}

Required Fields

These fields are required when processing an authorization with an SCA exemption: