Manage Risk and Liability
Leverage rich transaction information and provide fraud signals up-and-down-stream in the value chain to support exemption approvals, with clarity on fraud liability and risk mitigation.
Enrich Transaction Risk Analysis (TRA)
Provide and consume the richest and most accurate fraud signals for your scoring models to request, apply and approve SCA exemptions.
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
Support 3D Secure 2 with a fallback option to 3DS 1
Enable merchants to switch acquirers, route transactions to acquirers with the best fraud levels and negotiate acquiring services
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
Trends
Merchants
Actively Manage SCA Exemptions and Protect Your Profits
The last piece of the PSD2 puzzle might have been delayed, but that doesn’t mean there is time for merchants to rest on their laurels. When it comes to strong customer authentication (SCA), there is more to tackle than compliance — customer relationships and business profitability are at stake and you must keep control of your risk exposure to ensure your business doesn’t suffer.
Trends
Banking
Thriving Post PSD2: Conquering SCA Compliance
This eBook looks at five ways to achieve strong customer authentication compliance while protecting and differentiating on the customer experience. It covers; assessing the landscape, exemptions, technology and customer consideration. This eBook informs readers on how to achieve SCA compliance with confidence.
Webinar
Banking
How an SCA Exemptions Strategy Can Grow Your Business
Strong customer authentication (SCA) provides a unique opportunity for organizations to grow. This webinar of experts from across the payments network including Swedbank Group, Elavon, Mastercard, Vendorcom, Superdrug and ACI will come together to show how SCA exemptions can be a key business driver.
