eCOM Exemption Advisor

Your solution for a more convenient payment experience

Offer your customers frictionless online payment with the right exemption strategy

Increase the conversion rate

Use the right suitable exemption strategy and facilitate card payment

Decrease the risk of fraud

RiskShield calculates the risk of each transaction and enables secure payment.

Provide more frictionless user experience

Enable cardholders to have a smooth online payment process


Looking for the ideal balance between payment security and user convenience for your business? Offer your cardholders a frictionless online payment experience by applying exemptions from Strong Customer Authentication (SCA) without endangering digital payment security.

Netcetera eCOM Exemption Advisor enables merchants, acquirers and PSPs to define and apply a strategy for using exemptions from SCA to provide your customers with a seamless digital payment experience.

Biljana Nikolovska

Senior Product Manager
Secure Digital Payments at Netcetera

Is your client running an online shop and doing everything to convince the visitor to click the pay button?

If this were an in-store purchase the merchant could have started celebrating a successful sale early, since completing the payment, either by cash or card could be done in a matter of seconds. But online, the chances that the shopper will not complete the payment process are sky high and the reasons are known: the process lasts too long and additional authentication steps may be applied as a security measure…

How can the merchant prevent losing the shopper in the final step?

There are lot of different answers to this question, and here is one of them: exempt your online shopper from strong authentication whenever there is a low risk of fraud. Netcetera eCOM Exemption Advisor helps merchants make the right decision when to do it, by defining and applying an exemption strategy from SCA.


Risk assessment in real time with RiskShield by Inform

Calculate the risk at the very beginning of the transaction flow, before triggering the 3DS Server, in order to minimize friction while still processing a secure transaction. RiskShield profiles different factors such as: card, merchant, IP address, device, shipping address and mail. If all data is acceptable and the variations are in the allowed frame, then the risk will be low


Check if an exemption is applicable

(After risk assessment)

  • Transaction Risk Analysis (TRA)
  • Low-value Payment
  • Recurring Payments Exemption
  • One Leg (Out) Transaction
  • Risk for Delegated Authentication

Applying exemption strategy and deciding whether the transaction should be submitted

  • with acquirer’s exemption directly to authorization, skipping the 3DS flow, or
  • with/without acquirer’s exemption to 3DS authentication

Providing feedback to the risk engine

  • Sending the authentication/authorization results back to the eCom Exemption Advisor to let it learn for the future
  • Constantly and dynamically updating the cardholder’s profile in RiskShield engine with every new transaction
Supports both protocol versions: 3DS 1.0 and EMV 3DS 2.x
Supports browser and app-based payments
Risk level management and control of liability shift with Inform RiskShield solution.
eCOM Exemption Advisor
Card network-neutral
Control over risk assessment
Flexible exemption handling. Customizable choice of exemptions and risk configuration.

Increase your conversion rate with our solution


Customized smart exemption rules

The choice of exemptions is up to the customer and it can be extendable for new exemption types for different regions.


Control liability shift

Risk level management and control of liability shift with Inform RiskShield solution.


Upgrade your offer with other Netcetera solutions

State-of-the-art products that will improve your sales


Compliant with all regulations

Full compliance with national and international regulations

Contact us and take your business to the next level!

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What makes us the best choice?

Our impeccable customer service
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Take a step forward

Merchants and PSPs want to provide a safe and seamless payment experience in order to boost their revenue. Cardholders want to have an easy, convenient and valuable experience when shopping online.


of merchants consider online payment fraud as the No. 1 risk for their business


of cart abandonment during checkout occurs due to a complicated checkout process.

In order to improve security, the PSD2 regulation imposes Strong Customer Authentication (SCA) that authenticates the cardholder via two-factor verification. This leads to an online shopping experience with friction, that adds an extra step for cardholders to finish their transaction.

This is where our solution steps in!

eCOM Exemption Advisor enables merchants, acquirers and PSPs to define and apply a strategy for using exemptions from SCA in order to provide their customers with a seamless digital payment experience.

The choice of exemptions is up to the customer and it can be extendable for new exemption types for different regions.


Transaction Risk Analysis (TRA)

Risk score: low
Payment range: <500€

Can be applied only for low-risk transactions if merchant, acquirer, or PSP is doing a risk assessment. Beside the low-risk precondition, TRA is limited by the purchase amount threshold, or Exemption Threshold Value (ETV), based on the acquirer’s fraud rate.


Low-value Payment

Transaction amount:  ≤ 30€

This refers to a transaction that does not exceed 30 euros. In addition, the total amount of the last SCA should not exceed 100 euros, or the total number of previous transactions initialed by the payer since the last SCA should not exceed 5 consecutive transactions.


Recurring Payments Exemption

This applies to a transaction which follows an initial payment where SCA was applied. All subsequent payments must come from the same payee and must be smaller or equal than the first authenticated transaction.


One Leg Out Transaction

This occurs when the issuer or the acquirer of the transaction is not in the European Economic Area (EEA).


Delegated Authentication

With this exemption, the authentication is carried out directly by merchants, who can perform the cardholder authentication themselves.

More satisfied customers, less abandoned carts, and more revenue with eCOM Exemption Advisor

Do you have any questions about our products or need advice?

Our experts are available to support you

Explore more

On-demand webinar

PSD2 Acquirer Exemptions and Delegated Authentication

Learn how PSD2 SCA Acquiring exemptions can be used right at the start…

PSD2 Acquirer Exemptions

Leveraging opportunities for better customer friendliness

Many online merchants fear that strong customer authentication leads to…

Netcetera is a global software company with cutting-edge IT products and individual digital solutions. More than 2,000 banks and issuers, and 150,000 merchants rely on our digital payment solutions and globally certified 3-D Secure products. Founded in 1996, Netcetera has 800 employees across Europe, Asia and the Middle East.