Creating a Payment with an SCA Exemption
Create a card payment with a request for a strong customer authentication (SCA) exemption from 3D Secure (3DS) authentication for a sub-merchant of a payment facilitator (PayFac).
Note
Relevant to a PayFac.
To enable this feature, contact Rapyd Client Support.
Relevant to payment method types that support this feature.
SCA is a European regulatory requirement that aims to reduce fraud and enhance electronic payment security. SCA requires 3DS authentication for all online transactions initiated by a cardholder.
As a PayFac, you can create a card payment for your sub-merchant. If the payment meets certain criteria (such as a specific amount range), you can request an exemption from the SCA-mandated 3DS authentication. You must specify the exemption category.
Procedure
Use the following Create Payment request parameters:
Set
payment_method_options.sca_exemptionto one of the following category values:Value
Description
LowValue
A payment of a low amount.
In the payment,
currencyis one of the following currencies andamountis below or equal to the specified value:30 EUR
225 DKK
27 GBP
310 SEK
5000 ISK
325 NOK
32 CHF
135 PLN
36 USD
TransactionRiskAnalysis
A payment of an amount that is considered low risk.
Requires prior approval by Rapyd.
In the payment,
currencyis one of the following currencies andamountis below or equal to the specified value:250 EUR
1800 DKK
210 GBP
2600 SEK
35000 ISK
2450 NOK
255 CHF
1160 PLN
270 USD
AuthenticationOutage
Process a payment while 3DS authentication is unavailable.
Use this value when you cannot authenticate due to a 3DS provider outage.
Do not use this value if the outage occurred in the issuer domain (for example, the ACS Server). In such cases, Visa/Mastercard attempts processing and a CAVV/UCAF (with an ECI 06) is returned when the ACS is down.
If the 3dSecure flow is not available, first try a different suitable exemption value (subject to the acquirer’s approval) before using this value.
During the time that AuthenticationOutage is invoked, regularly try to re-establish a connection. As soon as a reliable connection is secured, stop using AuthenticationOutage, and resume the 3DS flow.
Misuse can result in access to AuthenticationOutage being revoked.
SecureCorporatePayments
A secure corporate payment using a commercial card.
Requires prior approval by Rapyd.
Not intended for consumers.
Applies only to payers who are legal persons, for corporate purchases and travel bookings using commercial cards.
Ensure that the transaction originated from a secure corporate environment and meets SecureCorporatePayments exemption requirements.
Set
payment_method_options.3d_requiredto false.Specify the ID of the sub-merchant’s
merchant_ewallet, a string starting with ewallet_.
Payment with SCA Exemption: Request
curl -X post https://sandboxapi.rapyd.net/v1/payments/ -H 'access_key: your-access-key-here' -H 'Content-Type: application/json' -H 'idempotency: your-idempotency-parameter-here' -H 'salt: your-random-string-here' -H 'signature: your-calculated-signature-here' -H 'timestamp: your-unix-timestamp-here' -d '{ "amount": 410, "currency": "EUR", "capture": true, "save_payment_method": true, "complete_payment_url": "https://complete.example.net", "error_payment_url": "https://error.example.net", "payment_method": { "type": "is_valitor_card", "fields": { "number": "4111111111111111", "expiration_month": "12", "expiration_year": "27", "name": "John Doe", "cvv": "345" } }, "payment_method_options": { "sca_exemption": "transaction_risk_analysis", "3d_required": false }, "merchant_ewallet": "ewallet_42dbfb7fd7638a95d6ba084ac07dec1e" } '
Payment with SCA Exemption: Response
{ "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "011b8466-ac8f-4eb2-b792-2f61bb187935" }, "data": { "id": "payment_38cfaa9449e341936aa76096c0a369fc", "amount": 410, "original_amount": 410, "is_partial": false, "currency_code": "EUR", "country_code": "IS", "status": "CLO", "description": "", "merchant_reference_id": "", "customer_token": "cus_870ad2de18778755816fdbe3832745c7", "payment_method": "card_8610ddb1b63ba1b778c8e5024a5597e1", "payment_method_data": { "id": "card_8610ddb1b63ba1b778c8e5024a5597e1", "type": "is_valitor_card", "category": "card", "metadata": null, "image": "", "webhook_url": "", "supporting_documentation": "", "next_action": "not_applicable", "name": "John Doe", "last4": "1111", "acs_check": "unchecked", "cvv_check": "fail", "bin_details": { "type": "CREDIT", "brand": "MASTERCARD", "level": "EXECUTIVE BUSINESS", "issuer": "BANK OF TAIWAN", "country": "TW", "bin_number": "411111" }, "expiration_year": "27", "expiration_month": "12", "fingerprint_token": "ocfp_fe3065d794667decc5213838a925ff12", "payment_account_reference": "V0010013018036782991622965076" }, "auth_code": "117333", "expiration": 1749081600, "captured": true, "refunded": false, "refunded_amount": 0, "receipt_email": "", "redirect_url": "", "complete_payment_url": "https://complete.example.net", "error_payment_url": "https://error.example.net", "receipt_number": "", "flow_type": "", "address": null, "statement_descriptor": "", "transaction_id": "", "created_at": 1748509813, "metadata": {}, "failure_code": "", "failure_message": "", "paid": true, "paid_at": 1748509835, "dispute": null, "refunds": null, "order": null, "outcome": null, "visual_codes": {}, "textual_codes": {}, "instructions": [], "ewallet_id": "ewallet_5f9cb598369042adae6d1ce4be76e86e", "ewallets": [ { "ewallet_id": "ewallet_5f9cb598369042adae6d1ce4be76e86e", "amount": 410, "percent": 100, "refunded_amount": 0 } ], "payment_method_options": { "3d_required": false, "sca_exemption": "transaction_risk_analysis" }, "payment_method_type": "is_valitor_card", "payment_method_type_category": "card", "fx_rate": 1, "merchant_requested_currency": null, "merchant_requested_amount": null, "fixed_side": "", "payment_fees": null, "invoice": "", "escrow": null, "group_payment": "", "cancel_reason": null, "initiation_type": "customer_present", "mid": "mid_af321954a7f11687adf2a2baa5cb383a", "next_action": "not_applicable", "error_code": "", "remitter_information": {}, "save_payment_method": true, "merchant_advice_code": null, "merchant_advice_message": null, "transaction_link_id": null, "merchant_ewallet": "ewallet_42dbfb7fd7638a95d6ba084ac07dec1e" } }