Better conversion rate with Saferpay and SCA exemptions

Remember that strong customer authentication requires all payment transactions – apart from the specified exemptions – to be strongly secured, and at least two of the following three factors must be used for this purpose:

The cardholder’s bank then asks the cardholder to enter additional information during the payment process. This could, for example, be a unique code sent to his mobile phone or the fingerprint authentication via his mobile banking app.

PSD2 provides for a number of exemptions for which, although the cardholder does not need to perform strong customer authentication, the transactions, nevertheless, undergo “full 3-D Secure authentication”. These SCA exemptions simplify the payment process for your customers, which in turn increases the conversion rate.

As a Saferpay customer with an acquiring contract from Worldline, you can request exemptions for small amounts, recurring payments and low-risk transactions. Recurring transactions by Worldline customers are automatically identified and a corresponding exemption is requested if they are executed in accordance with the specification.

The cardholder’s bank decides whether an exemption request is granted or rejected. When requesting an exemption for a transaction that meets the specifications, you should take the following into account:

1. The merchant bears the liability for this transaction.
   
2. The cardholder’s bank can still reject the exemption and enforce SCA. The card issuer assumes liability in this case.
   
   

You may request an SCA exemption under the following conditions:

• Your acquirer, if not Worldline, supports strong customer authentication exemptions.
• You have a contractual agreement with your acquirer the covers the execution of SCA exemptions.
• You can perform a real-time risk analysis of transactions.
• You ensure that SCA exemptions are only requested for transactions for which exemptions may be requested according to the PSD2 definition.
  

There is no SCA obligation and thus no need to request exemptions in the following cases:

• Anonymous prepaid cards
• Mail orders and telephone orders (MOTO transactions)
• Interregional / “one leg” transactions (if the merchant’s registered office or the buyer’s address is outside the European Economic Area, EEA)
• Transactions initiated by the payee
  

The SCA exemptions section of the Saferpay Integration Guide contains all necessary technical details on how to request transaction exemptions: 

https://saferpay.github.io/sndbx/psd2.html