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SCA Exemption Turn Key (Hosted)

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 Exemption Turn Key and HPP (Hosted Payment Pages)
  • You must have 3DS Flex enabled. Contact your Relationship Manager for details

Exemption flow

SCA Exemption Turn Key automatically applies an exemption request to all qualifying payment requests. Worldpay identifies the payments that are SCA mandated from your HPP request and attempts to exempt them.

The exemption request follows a defined flow.

Step one: The request is validated to ensure that payment is in scope of SCA and the exemption can be supported.

Step two: Exemption Engine (EE) performs the Transaction Risk Assessment (TRA) and decides if exemption can be honoured by Worldpay.

Step three: The exemption is placed in accordance with EE recommendation.

Step four: Payment is sent to authorisation with or without an exemption - depending on the EE decision. Payments that are not exempt will be authenticated, provided you are subscribed to an authentication service.

Step five: Worldpay will re-submit soft declined payments for authentication without an exemption (coming soon).

Exemption Turn Key flow

Integration overview

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

All the data required for authentication is collected from your HPP integration.

Before you decide whether this service is appropriate for you, consider the following:

  1. If you process CIT transactions with usage FIRST (under stored credentials framework), you must route them via a Merchant Code that is not subscribed to Exemption Engine Turn Key
  2. If a payment is One-Leg-Out (OLO), it will automatically go to authentication. To avoid authentication on payments outside of the EEA, route the payment via a Merchant Code that is not subscribed to Exemption Engine Turn Key. If you cannot ascertain whether payment is OLO before submitting the order to Worldpay, and you still wish to skip authentication, speak to your Relationship Manager about other options to manage authentication on OLO payments
  3. No exemption information is returned in the XML response. You can use the SCA Exemption Acceptance report to review the payment status.

Soft decline loop

Soft decline loop is a feature of the SCA Exemption Turn Key product. The eligible soft declined transactions are re-processed and authenticated automatically under the same Order Code. You can expect the soft decline loop to take place when:

  • You are subscribed to SCA Exemption Turn Key and 3DS Flex products
  • LR or LV exemption was applied in authorisation on the original payment request
  • Payment status of the original payment is SOFT_DECLINED
  • The original payment is not One-Leg-Out (OLO)

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