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BIN/JWT/URL\n Merchant_Frontend->>Browser: 3DS Device Data form\n Browser-->>Issuer: Form post\n Issuer-->>Browser: PostMessage: dfReferenceId\n Merchant_Backend->>Payments_API: 3dsDeviceData request\n Payments_API->>Merchant_Backend: 3dsDeviceData response\n Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n Merchant_Frontend->>Browser: 3DS challenge form\n Browser-->>Issuer: Form post\n Issuer-->>Browser: Return to merchant site\n Merchant_Backend->>Payments_API: 3dsChallenges request\n Note over Payments_API: 3DS authenticated (successful)\n Payments_API->>Issuer: Authorization Request\n Note over Issuer: payment authorized\n Issuer->>Payments_API: Authorization Response\n Payments_API->>Merchant_Backend: 3dsChallenges response\n Merchant_Backend->>Payments_API: Settlements request\n Payments_API->>Merchant_Backend: Settlements response\n Merchant_Backend->>Merchant_Frontend: Transaction complete\n Note left of Merchant_Frontend: Order receipt page\n\n"]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"example-request","__idx":3},"children":["Example Request"]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"json","header":{"controls":{"copy":{}}},"source":"{\n \"transactionReference\": \"Memory265-13/08/1876\",\n \"merchant\": {\n \"entity\": \"default\"\n },\n \"instruction\": {\n \"method\": \"card\",\n \"paymentInstrument\": {\n \"type\": \"plain\",\n \"cardHolderName\": \"Sherlock Holmes\",\n \"cardNumber\": \"4000000000001091\",\n \"expiryDate\": {\n \"month\": 5,\n \"year\": 2035\n }\n },\n \"exemption\": { // [!code focus:5] // [!code highlight:5]\n \"type\": \"integrated\", \n \"mode\": \"always\", \n \"capability\": \"authorizationAndAuthentication\" \n }, \n \"threeDS\": {\n \"type\": \"integrated\",\n \"mode\": \"always\",\n \"deviceData\": {\n \"acceptHeader\": \"text/html\",\n \"userAgentHeader\": \"Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0)\",\n \"browserLanguage\": \"en-GB\",\n \"browserScreenWidth\": 900,\n \"browserScreenHeight\": 1200,\n \"browserJavaEnabled\": true,\n \"browserColorDepth\": \"32\",\n \"timeZone\": \"300\",\n \"browserJavascriptEnabled\": true,\n \"channel\": \"browser\"\n },\n \"challenge\": {\n \"returnUrl\": \"http://payment.example.com\"\n }\n },\n \"customer\": {\n \"email\": \"john.appleseed@example.com\",\n \"phone\": \"00000000000\",\n \"ipAddress\": \"192.168.0.1\"\n },\n \"narrative\": {\n \"line1\": \"trading name\"\n },\n \"value\": {\n \"currency\": \"GBP\",\n \"amount\": 42\n }\n }\n}\n","lang":"json"},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"request-schema","__idx":4},"children":["Request schema"]},{"$$mdtype":"Tag","name":"JsonSchema","attributes":{"schema":{"$ref":"../../openapi.yaml#/components/schemas/Exemption"},"options":{"schemasExpansionLevel":0,"hideSchemaTitles":true,"hidePropertiesPrefix":true},"schemaResolved":{"openapi":"3.1.0","components":{"schemas":{"__root":{"$ref":"#/components/schemas/Exemption"},"PaymentsExemptionRequest":{"type":"object","properties":{"placement":{"type":"string","default":"optimized","description":"Defines where the exemption is being requested.","enum":["optimized","authorization","authentication"],"x-enumDescriptions":{"authorization":"A request for an exemption placed within the authorization.","optimized":"We select the best performing placement based on its data.","authentication":"A request for an exemption placed within the authentication (3DS)."}},"type":{"type":"string","default":"optimized","description":"Defines which type of exemption is being requested.","enum":["optimized","lowValue","lowRisk"],"x-enumDescriptions":{"lowValue":"An exemption for an authorization that is under €30.","optimized":"We select the best performing type based on its data.","lowRisk":"An exemption for an authorization that has been through Transaction Risk Analysis (TRA)."}}}},"Exemption":{"type":"object","description":"An object used to request or specify an SCA Exemption. \n\nRead more on how to set it up under our [__SCA Exemptions__](/products/payments/enable-features/sca-exemptions) guide.","properties":{"type":{"type":"string","description":"Ask for an SCA exemption recommendation directly from Worldpay (integrated) or use a 3rd party TRA solution.
__Note:__ Only type `integrated` is supported for now.","enum":["integrated"]},"mode":{"type":"string","description":"Specify which transactions to request SCA Exemptions for.","enum":["always"]},"capability":{"type":"string","description":"Indicates whether the exemption requested from Worldpay can return a placement of authorization (payment) and/or authentication (3DS).","enum":["authorizationAndAuthentication","authorizationOnly","authenticationOnly"],"example":"authenticationOnly","x-enumDescriptions":{"authenticationOnly":"The SCA Exemptions service can only return a `placement` of `authentication`.","authorizationOnly":"The SCA Exemptions service can only return a `placement` of `authorization`.","authorizationAndAuthentication":"The SCA Exemptions service can return either a `placement` of `authorization` or `authentication`."}},"request":{"$ref":"#/components/schemas/PaymentsExemptionRequest"}},"required":["capability","mode","type"]}}}},"schemaResolvedErrors":[]},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"example-response","__idx":5},"children":["Example response"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["In the payment response you will be provided a summary of what happened when requesting and applying the exemption."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["To see a full list of outcomes view the ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/payments/testing"},"children":["testing (SCA exemptions tab)"]}," section."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"json","header":{"controls":{"copy":{}}},"source":"{\n \"outcome\": \"authorized\",\n \"transactionReference\": \"Memory265-13/08/1876\",\n \"schemeReference\": \"060720116005060\",\n \"issuer\": {\n \"authorizationCode\": \"675725\"\n },\n \"riskFactors\": [\n {\n \"risk\": \"notChecked\",\n \"type\": \"cvc\"\n },\n {\n \"risk\": \"notChecked\",\n \"detail\": \"address\",\n \"type\": \"avs\"\n },\n {\n \"risk\": \"notChecked\",\n \"detail\": \"postcode\",\n \"type\": \"avs\"\n }\n ],\n \"exemption\": { // [!code focus:6] // [!code highlight:6]\n \"granted\": true,\n \"placement\": \"authorization\",\n \"type\": \"lowRisk\",\n \"result\": \"honored\",\n \"reason\": \"issuerHonored\"\n },\n \"paymentInstrument\": {\n \"type\": \"card/plain+masked\",\n \"cardBin\": \"400000\",\n \"lastFour\": \"1000\",\n \"countryCode\": \"GB\",\n \"expiryDate\": {\n \"year\": 2035,\n \"month\": 5\n },\n \"cardBrand\": \"mastercard\",\n \"fundingType\": \"debit\",\n \"category\": \"consumer\",\n \"issuerName\": \"BANK LIMITED\",\n \"paymentAccountReference\": \"3001DBT34Q41D6J7PFC5W0UA4OT4C\"\n },\n \"_links\": {\n \"self\": {\n \"href\": \"https://try.access.worldpay.com/api/payments/eyJrIjoiazNhY....\"\n }\n },\n \"_actions\": {\n \"cancelPayment\": {\n \"href\": \"https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYz..../cancellations\",\n \"method\": \"POST\"\n },\n \"settlePayment\": {\n \"href\": \"https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYj..../settlements\",\n \"method\": \"POST\"\n },\n \"partiallySettlePayment\": {\n \"href\": \"https://try.access.worldpay.com/api/payments/eyJrIjoiaz..../partialSettlements\",\n \"method\": \"POST\"\n }\n }\n}\n","lang":"json"},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"response-schema","__idx":6},"children":["Response schema"]},{"$$mdtype":"Tag","name":"JsonSchema","attributes":{"schema":{"$ref":"../../openapi.yaml#/components/schemas/PaymentsExemption"},"options":{},"schemaResolved":{"openapi":"3.1.0","components":{"schemas":{"__root":{"$ref":"#/components/schemas/PaymentsExemption"},"PaymentsExemption":{"type":"object","description":"An object containing information about the exemption.","properties":{"granted":{"type":"boolean","description":"Was an exemption returned by Worldpay's TRA assessment."},"placement":{"type":"string","description":"Indicates whether the exemption has been placed in a payment authorization request or 3DS authentication request.","enum":["authorization"],"x-enumDescriptions":{"authorization":"Exemption applied in the payment authorization.","authentication":"Exemption applied in the payment authentication."}},"type":{"type":"string","description":"The type of applied exemption.","enum":["lowRisk","lowValue"],"x-enumDescriptions":{"lowValue":"Applied a `lowValue` exemption","lowRisk":"Applied a `lowRisk` exemption"}},"result":{"type":"string","description":"The result of the exemption placement request.","enum":["honored","outOfScope","rejected","unknown"],"x-enumDescriptions":{"rejected":"Possible __reason__: `issuerRejected`, `highRisk`, `invalid`, `unsupportedScheme`, `notSubscribed`, `unsupportedAcquirer` or `unknown`","honored":"Possible __reason__: `issuerHonored` or `unknown`","outOfScope":"Possible __reason__: `merchantInitiatedTransaction`, `oneLegOut`, `moto`, `contactless` or `unknown`","unknown":"Possible __reason__: `unknown`"}},"reason":{"type":"string","description":"The reason returned by the card issuer.","enum":["issuerHonored","merchantInitiatedTransaction","oneLegOut","issuerHonored","moto","contactless","issuerRejected","highRisk","invalid","unsupportedScheme","unsupportedAcquirer","unknown"]}}}}}},"schemaResolvedErrors":[]},"children":[]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Next steps"]}]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/payments/testing"},"children":["Testing (SCA Exemptions tab)"]}," for scenario details and magic test values"]}]}]},"headings":[{"value":"SCA Exemptions","id":"sca-exemptions","depth":1},{"value":"How to enable","id":"how-to-enable","depth":2},{"value":"Sequence diagram","id":"sequence-diagram","depth":2},{"value":"Example Request","id":"example-request","depth":2},{"value":"Request schema","id":"request-schema","depth":3},{"value":"Example response","id":"example-response","depth":2},{"value":"Response schema","id":"response-schema","depth":3}],"frontmatter":{"seo":{"title":"SCA Exemptions | Payments API"}},"lastModified":"2026-02-04T05:52:53.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/payments/enable-features/sca-exemptions","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}