Corporate exemptions

Within the corporate world, there are some business-to-business transactions that will qualify for corporate exemptions.

A typical example is when a lodged or virtual card is used to book travel for anyone in a company.

In such a case, the transactions between Company X and the travel agency take place within a secure corporate environment, and it is not possible for authentication to take place.

Instead of subjecting these transactions to potential soft declines and authentication, you can apply a corporate exemption.

Before you begin

You do not need to have any exemption product for this feature to work.

If you are a merchant who uses the Exemption Engine Turn Key, you must process corporate exemptions under a separate merchant code. This keeps corporate exemptions separate from other types of exemption.

Exemption flow

Corporate exemptions follow a defined flow:

Step one: The request is validated to ensure that the exemption can be supported.

Step two: Payment is sent to authorisation with the corporate exemption.

Step three: Soft declined payments cannot be re-submitted for authentication and are treated as hard declines.

Exemption request

You can request an exemption for the following three paymentMethodMask values:

CARD-SSL
VISA-SSL
ECMC-SSL

Exemption types

You must submit an additional element of <exemption> with attributes type and placement (both required). You must include placement="AUTHORISATION". Failure to include this attribute results in an XML validation error.

Attribute	Value
`type`	Possible Values: `CP` - Corporate Exemption
`placement`	Possible Values: `AUTHORISATION`- Applies exemption in the authorisation flow.

The following request example uses <exemption type="CP" placement="AUTHORISATION">:

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<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://dtd.worldpay.com/paymentService_v1.dtd" >
<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">
  <submit>
    <order orderCode='YOUR_ORDER_CODE'>
      <description>test order</description>
      <amount value="100" currencyCode="EUR" exponent="2"/>
      <orderContent>
          <![CDATA[]]>
      </orderContent>
      <paymentDetails>
        <CARD-SSL>
          <cardNumber>4444********1111</cardNumber>
          <expiryDate>
            <date month="06" year="2020"/>
          </expiryDate>
          <cardHolderName>CORPORATE NAME</cardHolderName>
          <cvc>666</cvc>
          <cardAddress>
            <address>
              <address1>Worldpay</address1>
              <address2>270-289 The Science Park</address2>
              <address3>Milton Road</address3>
              <postalCode>CB4 0WE</postalCode>
              <city>Cambridge</city>
              <countryCode>GB</countryCode>
            </address>
          </cardAddress>
        </CARD-SSL>
        <session shopperIPAddress="127.0.0.1" id="ssn194781884"/>
      </paymentDetails>
      <shopper>
        <shopperEmailAddress>sp@worldpay.com</shopperEmailAddress>
        <browser>
          <acceptHeader>text/html</acceptHeader>
          <userAgentHeader>Mozilla/5.0 ...</userAgentHeader>
        </browser>
      </shopper>
      <!-- Exemption -->
      <exemption type="CP" placement="AUTHORISATION"/>
    </order>
  </submit>
</paymentService>

<?xml version="1.0" encoding="UTF-8"?> <!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://dtd.worldpay.com/paymentService_v1.dtd" > <paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE"> <submit> <order orderCode='YOUR_ORDER_CODE'> <description>test order</description> <amount value="100" currencyCode="EUR" exponent="2"/> <orderContent> <![CDATA[]]> </orderContent> <paymentDetails> <CARD-SSL> <cardNumber>4444********1111</cardNumber> <expiryDate> <date month="06" year="2020"/> </expiryDate> <cardHolderName>CORPORATE NAME</cardHolderName> <cvc>666</cvc> <cardAddress> <address> <address1>Worldpay</address1> <address2>270-289 The Science Park</address2> <address3>Milton Road</address3> <postalCode>CB4 0WE</postalCode> <city>Cambridge</city> <countryCode>GB</countryCode> </address> </cardAddress> </CARD-SSL> <session shopperIPAddress="127.0.0.1" id="ssn194781884"/> </paymentDetails> <shopper> <shopperEmailAddress>sp@worldpay.com</shopperEmailAddress> <browser> <acceptHeader>text/html</acceptHeader> <userAgentHeader>Mozilla/5.0 ...</userAgentHeader> </browser> </shopper> <!-- Exemption --> <exemption type="CP" placement="AUTHORISATION"/> </order> </submit> </paymentService>

Exemption response

The response message contains information about the exemption result, type of exemption (if applied), and outcome.

Field	Attribute	Description
lastEvent	N/A	This field reflects either the status of the payment as AUTHORISED or REFUSED
exemptionResponse	result	One of the following values: HONOURED REJECTED OUT_OF_SCOPE
exemption response	reason	One of the following values based upon result attribute (bold) HONOURED ISSUER_HONOURED OUT_OF_SCOPE MIT MOTO CONTACTLESS OLO REJECTED ISSUER_REJECTED HIGH_RISK INVALID UNSUPPORTED_SCHEME UNSUPPORTED_ACQUIRER

Field

Attribute

Description

lastEvent

N/A

This field reflects either the status of the payment as AUTHORISED or REFUSED

exemptionResponse

result

One of the following values:

HONOURED
REJECTED
OUT_OF_SCOPE

exemption response

reason

One of the following values based upon result attribute (bold)
HONOURED

ISSUER_HONOURED

OUT_OF_SCOPE

MIT
MOTO
CONTACTLESS
OLO

REJECTED

ISSUER_REJECTED
HIGH_RISK
INVALID
UNSUPPORTED_SCHEME
UNSUPPORTED_ACQUIRER

Exemption rejected at the initial validation

Exemption can be rejected in the initial validation step. The exemption result is OUT_OF_SCOPE if the payment is:

MOTO
MIT
CONTACTLESS
One Leg Out (OLO)

Mail order/Telephone Order, card-present CONTACTLESS and Merchant Initiated Transactions do not requires Strong Customer Authentication (SCA).

If either the issuer or acquirer are outside of the EEA the payment is out of scope of SCA. For these payment types an exemption is not required.

The exemption result is REJECTED when the following reasons apply:

UNSUPPORTED_ACQUIRER
UNSUPPORTED_SCHEME
INVALID

Note: Not all acquirers and schemes are supported by corporate exemptions. Ask Your Worldpay Relationship Manager or Support team for the latest on supported acquirers and schemes.

Exemption is classed as invalid when you submit an exemption placement that is not supported (e.g. AUTHENTICATION).

Exemption rejected as high risk

When a payment is rejected by a fraud tool the exemption will be rejected as HIGH_RISK.

A payment with a rejected exemption proceeds to authorisation without an exemption.

Exemption is honoured

When the issuer honors the exemption, the response is HONOURED with the reason ISSUER_HONOURED.

When the issuer rejects it, the exemption result is REJECTED with the reason ISSUER_REJECTED.

If the issuer rejects an exemption applied in the authorisation, the rejection results in a soft decline. Due to the nature of the corporate environment, soft declined payments cannot be re-submitted for authentication. In this scenario, a soft decline should be handled as a hard decline.

Example response messages

The following example shows a message with <exemptionResponse> result of HONOURED and a reason of ISSUER_HONOURED.In this case, the issuer honored the exemption and authorized the payment.

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<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://secure.worldpay.com/dtd/paymentService_v1.dtd"&gt;
<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">
  <reply>
    <orderStatus orderCode='YOUR_ORDER_CODE'>
      <payment>
        <paymentMethod>VISA_CREDIT-SSL</paymentMethod>
        <amount value="100" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/>
        <lastEvent>AUTHORISED</lastEvent>
        <balance accountType="IN_PROCESS_AUTHORISED">
          <amount value="100" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/>
        </balance>
        <cardNumber>4444**1111</cardNumber>
      </payment>
      <!-- Exemption -->
      <exemptionResponse result="HONOURED" reason="ISSUER_HONOURED">
        <exemption type="CP" placement="AUTHORISATION"/>
      </exemptionResponse>
    </orderStatus>
  </reply>
</paymentService>

<?xml version="1.0" encoding="UTF-8"?> <!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://secure.worldpay.com/dtd/paymentService_v1.dtd"&gt; <paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE"> <reply> <orderStatus orderCode='YOUR_ORDER_CODE'> <payment> <paymentMethod>VISA_CREDIT-SSL</paymentMethod> <amount value="100" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/> <lastEvent>AUTHORISED</lastEvent> <balance accountType="IN_PROCESS_AUTHORISED"> <amount value="100" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/> </balance> <cardNumber>4444**1111</cardNumber> </payment> <!-- Exemption --> <exemptionResponse result="HONOURED" reason="ISSUER_HONOURED"> <exemption type="CP" placement="AUTHORISATION"/> </exemptionResponse> </orderStatus> </reply> </paymentService>

The issuer rejected the exemption request and the payment.

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<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://secure.worldpay.com/dtd/paymentService_v1.dtd"&gt;
<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">
  <reply>
    <orderStatus orderCode='YOUR_ORDER_CODE'>
      <payment>
        <paymentMethod>VISA_CREDIT-SSL</paymentMethod>
        <amount value="100" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/>
        <lastEvent>REFUSED</lastEvent>
        <ISO8583ReturnCode code="65" description="Authentication requested"/>
      </payment>
      <!-- Exemption -->
      <exemptionResponse result="REJECTED" reason="ISSUER_REJECTED">
        <exemption type="CP" placement="AUTHORISATION"/>
      </exemptionResponse>
    </orderStatus>
  </reply>
</paymentService>

<?xml version="1.0" encoding="UTF-8"?> <!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://secure.worldpay.com/dtd/paymentService_v1.dtd"&gt; <paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE"> <reply> <orderStatus orderCode='YOUR_ORDER_CODE'> <payment> <paymentMethod>VISA_CREDIT-SSL</paymentMethod> <amount value="100" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/> <lastEvent>REFUSED</lastEvent> <ISO8583ReturnCode code="65" description="Authentication requested"/> </payment> <!-- Exemption --> <exemptionResponse result="REJECTED" reason="ISSUER_REJECTED"> <exemption type="CP" placement="AUTHORISATION"/> </exemptionResponse> </orderStatus> </reply> </paymentService>

Worldpay returns a <lastEvent> value of REFUSED. Additionally we are sending an element of <ISO8583ReturnCode> with attributes code="65" and description="AUTHENTICATION REQUESTED".

Note: You must have extended response codes enabled to identify soft declines.

The following example shows a message with <exemptionResponse> result of OUT_OF_SCOPE and a reason of OLO. The EE determines the OUT_OF_SCOPE condition (result/response), but the issuer can still return values of AUTHORISED or REFUSED for <lastEvent>.

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<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://secure.worldpay.com/dtd/paymentService_v1.dtd"&gt;
<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">
  <reply>
    <orderStatus orderCode='YOUR_ORDER_CODE'>
      <payment>
        <paymentMethod>VISA_CREDIT-SSL</paymentMethod>
        <amount value="100" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/>
        <lastEvent>AUTHORISED</lastEvent>
        <balance accountType="IN_PROCESS_AUTHORISED">
          <amount value="100" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/>
        </balance>
        <cardNumber>4444**1111</cardNumber>
      </payment>
      <!-- Exemption -->
      <exemptionResponse result="OUT_OF_SCOPE" reason="OLO"/>
    </orderStatus>
  </reply>
</paymentService>

<?xml version="1.0" encoding="UTF-8"?> <!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://secure.worldpay.com/dtd/paymentService_v1.dtd"&gt; <paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE"> <reply> <orderStatus orderCode='YOUR_ORDER_CODE'> <payment> <paymentMethod>VISA_CREDIT-SSL</paymentMethod> <amount value="100" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/> <lastEvent>AUTHORISED</lastEvent> <balance accountType="IN_PROCESS_AUTHORISED"> <amount value="100" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/> </balance> <cardNumber>4444**1111</cardNumber> </payment> <!-- Exemption --> <exemptionResponse result="OUT_OF_SCOPE" reason="OLO"/> </orderStatus> </reply> </paymentService>

Rejected responses

The following examples shows a message with <exemptionResponse> result of REJECTED and a reason of HIGH_RISK. This would occur if the payment is refused by the risk tool:

Copied!

<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN"
"http://dtd.wp.fte08.test.worldpay.com/dtd/paymentService_v1.dtd"
<paymentService version="1.4" merchantCode="YOUR MERCHANT CODE">
 <reply>
   <orderStatus orderCode="YOUR ORDER CODE">
     <payment>
       <paymentMethod>VISA-SSL</paymentMethod>
       <amount value="100" currencyCode="GBP" exponent="2" debitCreditIndicator="credit"/>
       <lastEvent>REFUSED</lastEvent>
       <ISO8583ReturnCode code="34" description="FRAUD SUSPICION"/>
       <CVCResultCode description="NOT SENT TO ACQUIRER"/>
       <AVSResultCode description="NOT SENT TO ACQUIRER"/>
       <riskScore Provider="RiskManagement" finalScore="171"/>
     </payment>
      <!-- Exemption -->
      <exemptionResponse result="REJECTED" reason="HIGH_RISK"/>
   </orderStatus>
 </reply>
</paymentService>

<?xml version="1.0" encoding="UTF-8"?> <!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://dtd.wp.fte08.test.worldpay.com/dtd/paymentService_v1.dtd" <paymentService version="1.4" merchantCode="YOUR MERCHANT CODE"> <reply> <orderStatus orderCode="YOUR ORDER CODE"> <payment> <paymentMethod>VISA-SSL</paymentMethod> <amount value="100" currencyCode="GBP" exponent="2" debitCreditIndicator="credit"/> <lastEvent>REFUSED</lastEvent> <ISO8583ReturnCode code="34" description="FRAUD SUSPICION"/> <CVCResultCode description="NOT SENT TO ACQUIRER"/> <AVSResultCode description="NOT SENT TO ACQUIRER"/> <riskScore Provider="RiskManagement" finalScore="171"/> </payment> <!-- Exemption --> <exemptionResponse result="REJECTED" reason="HIGH_RISK"/> </orderStatus> </reply> </paymentService>

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<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://dtd.wp.fte08.test.worldpay.com/dtd/paymentService_v1.dtd"
<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">
  <reply>
    <orderStatus orderCode="YOUR_ORDER_CODE">
      <payment>
        <paymentMethod>VISA-SSL</paymentMethod>
        <amount value="4000" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/>
        <lastEvent>REFUSED</lastEvent>
        <ISO8583ReturnCode code="34" description="FRAUD SUSPICION"/>
        <CVCResultCode description="NOT SENT TO ACQUIRER"/>
        <AVSResultCode description="NOT SENT TO ACQUIRER"/>
        <riskScore Provider="FraudSight" finalScore="100" id="ae69cd9f-8031-419d-ae6b-fce0a98a33ef" message="high-risk"/>
        <FraudSight score="0.00666" id="ae69cd9f-8031-419d-ae6b-fce0a98a33ef" message="high-risk">
          <reasonCodes>
            <reasonCode>Card Unfamiliarity</reasonCode>
            <reasonCode>High Risk Email</reasonCode>
          </reasonCodes>
        </FraudSight>
      </payment>
      <!-- Exemption -->
      <exemptionResponse result="REJECTED" reason="HIGH_RISK"/>
    </orderStatus>
  </reply>
</paymentService>

<?xml version="1.0" encoding="UTF-8"?> <!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://dtd.wp.fte08.test.worldpay.com/dtd/paymentService_v1.dtd" <paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE"> <reply> <orderStatus orderCode="YOUR_ORDER_CODE"> <payment> <paymentMethod>VISA-SSL</paymentMethod> <amount value="4000" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/> <lastEvent>REFUSED</lastEvent> <ISO8583ReturnCode code="34" description="FRAUD SUSPICION"/> <CVCResultCode description="NOT SENT TO ACQUIRER"/> <AVSResultCode description="NOT SENT TO ACQUIRER"/> <riskScore Provider="FraudSight" finalScore="100" id="ae69cd9f-8031-419d-ae6b-fce0a98a33ef" message="high-risk"/> <FraudSight score="0.00666" id="ae69cd9f-8031-419d-ae6b-fce0a98a33ef" message="high-risk"> <reasonCodes> <reasonCode>Card Unfamiliarity</reasonCode> <reasonCode>High Risk Email</reasonCode> </reasonCodes> </FraudSight> </payment> <!-- Exemption --> <exemptionResponse result="REJECTED" reason="HIGH_RISK"/> </orderStatus> </reply> </paymentService>

Testing corporate exemptions

The following sections provide information about testing corporate exemptions in various scenarios.

Submit the values to test corporate exemptions in the authorisation flow and receive known responses. The system returns the response data shown in the last column below.

Issuer responses

Magic Value	Overview	Response Data
EE.HON_ISSUER_HONOURED.AUTHRD The gateway honoured the exemption and the issuer AUTHORISED the payment.	Exemption: CP Path: Happy	lastEvent = AUTHORISED result = HONOURED reason = ISSUER_HONOURED
EE.REJ_ISSUER_REJECTED.SD The gateway honoured the exemption, but the issuer REFUSED (soft declined) the payment.	Exemption: CP Path: Unhappy	lastEvent = REFUSED result = REJECTED reason = ISSUER_REJECTED

High Risk

Magic Value	Overview	Response Data
EE.REJ_HIGH_RISK.AUTHRD The gateway rejected the exemption for high risk, but the issuer AUTHORISED the payment.	Exemption: CP Risk: High Path: Happy	lastEvent = AUTHORISED result = REJECTED reason = HIGH_RISK
EE.REJ_HIGH_RISK.SD The gateway rejected the exemption for high risk and the issuer REFUSED (soft declined) the payment.	Exemption: CP Risk: High Path: Unhappy	lastEvent = REFUSED result = REJECTED reason = HIGH_RISK

Out-of-Scope Payment (MIT)

Magic Value	Overview	Response Data
EE.OOS_MIT.AUTHRD The gateway excludes the exemption, because it was identified as MIT, but the issuer AUTHORISED the payment.	Exemption: CP Payment Type: MIT Path: Happy	lastEvent = AUTHORISED result = OUT_OF_SCOPE reason = MIT
EE.OOS_MIT.SD The gateway excludes the exemption, because it was identified as MIT and the issuer REFUSED (soft declined) the payment.	Exemption: CP Payment Type: MIT Path: Unhappy	lastEvent = REFUSED result = OUT_OF_SCOPE reason = MIT

Out-of-Scope Payment (MOTO)

Magic Value	Overview	Response Data
EE.OOS_MOTO.AUTHRD The gateway excludes the exemption, because it was identified as MOTO, but the issuer AUTHORISED the payment.	Exemption: CP Payment Type: MOTO Path: Happy	lastEvent = AUTHORISED result = OUT_OF_SCOPE reason = MOTO
EE.OOS_MOTO.SD The gateway excludes the exemption, because it was identified as CONTACTLESS and the issuer REFUSED (soft declined) the payment.	Exemption: CP Payment Type: MOTO Path: Unhappy	lastEvent = REFUSED result = OUT_OF_SCOPE reason = MOTO

Out-of-Scope Payment (Contactless)

Magic Value	Overview	Response Data
EE.OOS_CONTACTLESS.AUTHRD The gateway excludes the exemption, because it was identified as CONTACTLESS, but the issuer AUTHORISED the payment.	Exemption: CP Payment Type: CONTACTLESS Path: Happy	lastEvent = AUTHORISED result = OUT_OF_SCOPE reason = CONTACTLESS
EE.OOS_CONTACTLESS.SD The gateway excludes the exemption, because it was identified as CONTACTLESS and the issuer REFUSED (soft declined) the payment.	Exemption: CP Payment Type: CONTACTLESS Path: Unhappy	lastEvent = REFUSED result = OUT_OF_SCOPE reason = CONTACTLESS

Out-of-Scope Payment (OLO)

Magic Value	Overview	Response Data
EE.OOS_OLO.AUTHRD The gateway excludes the exemption, because it was identified as OLO, but the issuer AUTHORISED the payment.	Exemption: CP Payment Type: OLO Path: Happy	lastEvent = AUTHORISED result = OUT_OF_SCOPE reason = OLO
EE.OOS_OLO.SD The gateway excludes the exemption, because it was identified as OLO and the issuer REFUSED (soft declined) the payment.	Exemption: CP Payment Type: OLO Path: Unhappy	lastEvent = REFUSED result = OUT_OF_SCOPE reason = OLO

Incorrect Exemption Request

Magic Value	Overview	Response Data
EE.REJ_INVALID.AUTHRD The gateway rejected the exemption, because it was an invalid exemption but the issuer AUTHORISED the payment.	Exemption: CP Path: Happy	lastEvent = AUTHORISED result = REJECTED reason = INVALID
EE.REJ_INVALID.SD The gateway rejected the exemption, because it was an invalid exemption and the issuer REFUSED (soft declined) the payment.	Exemption: CP Payment Type: CP Path: Unhappy	lastEvent = REFUSED result = REJECTED reason = INVALID

Unsupported Scheme

Magic Value	Overview	Response Data
EE.REJ_UNSUPPTD_SCHEME.AUTHRD The gateway rejected the exemption, because of an unsupported scheme, but the issuer AUTHORISED the payment.	Exemption: CP Path: Happy	lastEvent = AUTHORISED result = REJECTED reason = UNSUPPORTED_SCHEME
EE.REJ_UNSUPPTD_SCHEME.SD The gateway rejected the exemption, because it was an unsupported scheme and the issuer REFUSED (soft declined) the payment.	Exemption: CP Payment Type: CP Path: Unhappy	lastEvent = REFUSED result = REJECTED reason = UNSUPPORTED_SCHEME

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Corporate exemptions

Before you begin

Exemption flow

Exemption request

Exemption types

Exemption response

Exemption rejected at the initial validation

Exemption rejected as high risk

Exemption is honoured

Example response messages

Rejected responses

Testing corporate exemptions

Issuer responses

High Risk

Out-of-Scope Payment (MIT)

Out-of-Scope Payment (MOTO)

Out-of-Scope Payment (Contactless)

Out-of-Scope Payment (OLO)

Incorrect Exemption Request

Unsupported Scheme

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