Manage Risk and Liability
Provide fraud signals up-and-down-stream in the value chain to support exemption approvals
Enrich Transaction Risk Analysis (TRA)
Provide and consume the richest and most accurate fraud signals for your scoring models
Apply an Exemptions Strategy
Leverage SCA exemptions where appropriate to improve the customer experience and reduce lost revenues
SCA and Exemptions for Issuing Banks
Issuing banks are the last party in the payments value chain. Final approval of any requested SCA exemption, and the associated liability, demand excellent TRA and fraud scoring.
Achieve compliance with PSD2 SCA for CNP transactions, including instant payments
Leverage enterprise-wide fraud vector inputs to TRA and scoring
Integrate with your access control server to successfully apply exemptions
SCA and Exemptions for Acquirers
Achieve TRA compliance by the deadline to avoid the risk of loss of license, fines or designation as a non-compliant party, and having a halt placed on business. Migrate on your preferred timeline while meeting immediate compliance needs, all with a system that runs in parallel to your bank’s existing environment.
Achieve compliance with Article 18 for TRA
Support 3D Secure 2.X for merchants and PSP customers
Leverage behavioral biometrics and other vectors from digital channels for a combined possession and inherence approach
Provide value-added merchant services to manage exemptions as a competitive differentiator
Allow for more sophisticated rules, adaptive machine learning models and better investigation to reduce false-positive rates with authentication strategies and messages in a single solution
SCA and Exemptions for Merchants
While merchants no longer directly control authentication, continued control of your fraud rates and active negotiation of an SCA exemptions strategy with your acquirer is critical.
Continue fraud screening to keep control of fraud and secure exemptions
Determine the exemptions you want and actively engage with your acquirer
Monitor your acquirer’s adherence to TRA fraud metrics
Maintain the freedom to switch acquirers and re-route transactions
SCA and Exemptions for PSPs
With payments complexity increasing, PSPs need to provide merchant customers with the services and technology to manage exemptions effectively, and access to multiple acquirers to explore and form new relationships.
Offer robust fraud screening capabilities to your merchants
Understand the exemption options open to your merchants and ensure you can support them
Enable merchants to switch acquirers, route transactions to acquirers with the best fraud levels and negotiate acquiring services
Support 3D Secure 2 with a fallback option to 3DS 1
Enable Enterprise payments
Explore More Solutions
Learn about our additional solution capabilities.
ACI Fraud Management for Merchants
Multilayered, real-time fraud management and ongoing monitoring of online and mobile transactions for merchants and payment service providers
ACI Fraud Management for Banking
Real-time, machine-learning-driven fraud management solution for banks, processors, acquirers and payment networks
Digital Overlay Services
Gain full value from your digital payments solution, drive new revenues and rapidly bring innovative payment offerings and value-added services to market
ACI Secure eCommerce
A powerful payments gateway with sophisticated real-time fraud prevention capabilities, advanced business intelligence tools and access to an extensive global network of acquirers and alternative payment methods
Machine Learning
Advanced technology specifically designed for rapid deployment and ease of use by business users to accelerate the benefits of machine learning
Related Resources
Resources
Merchants
Strong Customer Authentication: New Rules Will Trigger Profound Changes in Many Organizations [Q&A]
One of the biggest industry issues for the payments community right now is strong customer authentication (SCA) – the new regulation for card payments, including card-not-present or eCommerce payments. This is due to come into force on December 31, 2020 in the EU, and on September 14, 2021 in the U.K. ACI recently brought together industry stakeholders for a webinar entitled Competition Versus Compliance: How an SCA Exemptions Strategy Can Grow Your Business. I spoke with these stakeholders about the challenges, but also opportunities, that SCA will bring to the payments industry.
Resources
Merchants
SCA: How PSPs Can Help Merchants Stay One Step Ahead
The main objective of PSD2’s Strong Customer Authentication (SCA) is to protect customers and reduce fraud by introducing new measures that ensure that customer-initiated transactions are being made by the genuine cardholder.
Resources
Banking
How Australian Financial Institutions Can Get the Most from Strong Customer Authentication
Whether viewed through the prism of 3D Secure 2.2 (3DS2), the AusPayNet CNP Fraud Mitigation Framework, or the Australian Government’s Consumer Data Right, strong customer authentication (SCA) is now — or about to be — mandatory for financial organizations across Australia. Here is a quick primer on how Australian financial institutions can make the most of SCA.
