3D Secure and SCA exemptions
Strong Customer Authentication should not be all or nothing. Halba uses your fraud vendor's verdict to ask for an exemption when the risk is low, runs 3D Secure when it is needed, and tells you who bears a fraud chargeback on every payment.
No challenge when the risk is low
A low-risk verdict from your fraud vendor becomes an exemption request, and every payment records who bears a fraud chargeback.
Exemptions where they are allowed
Transaction Risk Analysis within your acquirer's threshold and low-value payments, requested inside 3D Secure (challenge indicator 05) so the issuer can still challenge, or in the authorization where the PSP supports it.
Out of scope detected
Merchant-initiated payments, mail and telephone orders and cards or acquirers outside the EEA are recognised as outside PSD2 and authorized without 3DS.
More data, more frictionless
Halba fills the extra EMV 3DS fields from your order: account age and changes, purchase history, shipping indicator and delivery timeframe, reorder, gift cards, address match and prior authentication.
Liability you can read
Every payment records who bears a fraud chargeback: the issuer after a successful 3DS, or you, possibly covered by your fraud vendor's guarantee. Halba cross-checks it with the liability shift reported by the PSP.
3DS in the browser
With halba.js the 3DS Method and the challenge run on your checkout page, above your own layout.
Never on the platform
Fraud liability is always the issuer's, yours or your fraud vendor's: Halba never takes it, and it says so on every payment.
Available today
- 3D Secure 2 through your Stripe connection
- TRA and low-value exemptions driven by the fraud vendor's advice
- Liability and exemption on every payment, in the API and the dashboard
Coming next
- Neutral 3D Secure server through PCI Proxy, with every extra EMV field sent to the issuer
- Exemption policy you edit per workspace
Try it in the sandbox
Connect your test PSP accounts, create an API key and send your first payment in minutes. No real money moves in the sandbox.