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SCA Exemption Turn Key (Direct)

The SCA Exemption Turn Key maximises a frictionless checkout, using transaction data to predict card issuer behaviour. SCA Exemption Turn Key uses real time risk analysis of transactions to exempt as many as possible from SCA (Strong Customer Authentication).

Prerequisites: You must be set up for SCA Exemption Turn Key. For the optimal experience we strongly recommend being set up with 3DS Flex too. Contact your Relationship Manager for details.

Integration overview

This is a Turn Key service, no technical integration is required.

Note: No exemption information is returned in the XML response. Use the SCA Exemption Acceptance report to review the payment status.

Identify a soft decline

Note: You must haveextended response codesenabled to identify soft declines.

You can identify a soft decline where Worldpay return a <lastEvent> value of REFUSED.

Look for the <ISO8583ReturnCode> with the attributes code="65" and description="AUTHENTICATION REQUESTED".

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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">
  <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>
    </orderStatus>
  </reply>
</paymentService>

Worlpday Device JavaScript Collector

To fully comply with the PSD2 mandate when performing Transaction Risk Analysis (TRA), the Exemption Engine needs to use device data within its risk decision before applying for an exemption. This data needs to be collected on a ‘best efforts’ basis and we strongly recommend using ThreatMetrix to collect device data. We use the data to optimise your exemption, providing more accurate decisioning and fewer issuer soft declines.

ThreatMetrix collects and sends device fingerprint and geo-location data that relates to a shopper’s payment. You use JavaScript to send all this data to ThreatMetrix.

Obtain theJavaScript toolkitfrom Worldpay.

Contact your Relationship Manager for further details, and to have the SCA Exemption Turn Key enabled.