SCA and Exemptions
Complete Compliance With Value-Added Capabilities
The PSD2 deadline for compliance with strong customer authentication (SCA) has passed, the time is now for all players in the payment value chain to enable secure yet frictionless payment experiences to remain compliant and address this challenge. A strong SCA exemptions strategy can achieve this
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
Protection along the entire payments journey
ACI Worldwide delivers payment and fraud management capabilities that allow banks and merchants to manage and protect the full lifecycle of payments.