eCom Exemption Advisor
Provide your customers a frictionless online payment process with the right exemption strategy
Increase the conversion rate
Use the right suitable exemption strategy and ease the payment process
Decrease the risk of fraud
RiskShield profiling for calculating the risk and enabling a secure transaction.
Provide more frictionless user experience
Enable cardholders a smooth online payment process
Looking for the ideal balance between payment security and user convenience for your business? Provide your cardholders a frictionless online payment experience by applying exemption from Strong Customer Authentication (SCA) without endangering the 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 a seamless digital payment experience.
Is your client running an online shop, doing everything to convince the visitor to click pay button and finally he does it?
If this was an in-store purchase the merchant could have started celebrating a successful sale since it would have been just a technicality to complete the payment, either by cash or with a payment card, in a matter of seconds. But here the chances that the shopper will not finish the payment process are sky high and the reasons are known: the process lasts too long, a lot of sensitive data need to be filled in, additional authentication step 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: free your online shopper from strong authentication whenever there is a low risk that fraud may happen. Netcetera eCom exemption advisor helps merchants make the right decision when to do it by defining and applying an exemption strategy from SCA.
Calculate the risk at the very beginning of the transaction flow in order to minimize friction while still process a secure transaction. RiskShield profiles different entities 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.
Customized smart exemption rules
Choice of exemptions is up to the customer and it can be extendable for new exemption types for different regions.
Control the liability shift
Risk level management and control of liability shift with Inform RiskShield solution.
Easy upgrade with other Netcetera solutions
State-of-the-art products that will improve your business
Compliant with all regulations
Full compliance with national and international regulations
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of merchants consider online payment fraud as No 1 risk for their business
of abandonments during checkout occure due to a complicated checkout process.
In order to improve security, PSD2 regulative imposes a Strong Customer Authentication (SCA) that authenticate the cardholder by demanding a two-factor verification. This leads to an online shopping experience with friction, that makes cardholders do an extra step for finishing 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 a seamless digital payment experience.
Risk score: low
Payment range: 100€ – 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 with purchase amount trash hold, or Exemption Threshold Value (ETV), based on the acquirer’s fraud rate.
Transaction amount: ≤ 30€
This refers to a transaction that does not exceed 30 euros. In addition, the total amount of 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.
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.
This occurs when the Issuer or the Acquirer of the transaction is not in the European Economic Area (EEA).
With this exemption, the authentication is done by merchants who can perform the cardholder authentication themselves.
Please keep in mind, that it could take up to three working days until we can reply
Learn how PSD2 SCA Acquiring exemptions can be used right at the start…