Regulation
Issuer exemption
SCA exemption applied by the issuer's ACS based on its risk view of the transaction, often the origin of frictionless approvals on higher tickets.
Related terms
Strong Customer Authentication
PSD2 requirement that customer-initiated electronic payments in the EEA and UK be authenticated with two of: knowledge, possession, inherence.
3-D Secure 2 (EMV 3DS)
The current EMVCo authentication standard, sending 100+ data elements to the issuer for risk-based, mostly frictionless customer verification.
Transaction Risk Analysis exemption
PSD2 exemption from SCA for low-fraud acquirers on transactions under EUR 500, calibrated to portfolio fraud rates measured quarterly.
Related guides.
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