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SCA Exemptions

SCA Exemptions

Request an SCA Exemption from Worldpay to reduce 3DS checkout friction and remain SCA compliant. A lowRisk TRA (transaction risk analysis) or lowValue exemption may be granted and then automatically applied in the payment.

Only SCA Exemptions with a placement of authorization are supported. Support in 3DS authentication is coming soon.


How to enable

The request must contain:

  • instruction.threeDS object as described in 3DS Authentication
  • instruction.exemption.type = integrated - used to indicate the exemption is requested from Worlpay's TRA solution
  • instruction.exemption.mode = always - used to indicate the exemption is always requested. The ability to restrict to SCA applicable cards will be added soon.
  • instruction.exemption.capability = authorizationOnly - used to indicate the exemption requested can return a placement of authorization (payment)
  • SCA Exemptions in authorization are currently available only when the integrated Worldpay 3DS Authentication is enabled.
  • You can optionally enable Fraud Assessment within the same request

exemption object example

"instruction": {
  ....
  "threeDS": {
    "type": "integrated",
    "mode": "always"
  },
  "exemption": {
    "type": "integrated",
    "mode":  "always",
    "capability":  "authorizationOnly"
  }
  ....
}

exemption object schema

typestringrequired

Ask for an SCA exemption recommendation directly from Worldpay (integrated) or use a 3rd party TRA solution.<br>Note: Only type integrated is supported for now.

Value"integrated"
modestringrequired

Specify which transactions to request SCA Exemptions for.

Value"always"
capabilitystringrequired

Indicates whether the exemption requested from Worldpay can return a placement of authorization (payment) and/or authentication (3DS).<br>Note: Only exemptions in authorization are supported for now.

Value"authorizationOnly"
Warning

If SCA exemption is not applicable (e.g. first in series recurring (CIT), 3DS not enabled, Apple Pay, Google Pay) a validation error message will be returned.

Outcome details

...
"exemption": {
    "granted": true,
    "placement": "authorization",
    "type": "lowRisk",
    "result": "honored",
    "reason": "issuerHonored"
}
...
grantedboolean

Was an exemption returned by Worldpay's TRA assessment.

Enumtruefalse
placementstring

Indicates whether the exemption has been placed in a payment authorization request or 3DS authentication request.

ValueDescription
authorization

Exemption applied in the payment authorization.

typestring

The type of applied exemption.

Enum ValueDescription
lowValue

Applied a lowValue exemption

lowRisk

Applied a lowRisk exemption

resultstring

The result of the exemption placement request.

Enum ValueDescription
rejected

Possible reason: issuerRejected, highRisk, invalid, unsupportedScheme, notSubscribed, unsupportedAcquirer or unknown

honored

Possible reason: issuerHonored or unknown

outOfScope

Possible reason: merchantInitiatedTransaction, oneLegOut, moto, contactless or unknown

unknown

Possible reason: unknown

reasonstring

The reason returned by the card issuer.

Enum"issuerHonored""merchantInitiatedTransaction""oneLegOut""issuerHonored""moto""contactless""issuerRejected""highRisk""invalid""unsupportedScheme"

Next steps