SCA Optimization
2 min
Strong Customer Authentication (SCA) Optimization enables Accertify to help clients meet regulatory requirements while minimizing unnecessary customer friction.
SCA Optimization focuses on:
- Identifying transactions that may qualify for SCA exemptions
- Supporting risk-based authentication decisions
- Reducing unnecessary authentication challenges where permitted
Evaluation is based on:
- Transaction event data
- Historical issuer intelligence
- Real-time risk signals
SCA Optimization recommendations are provided through Universal Fraud API preAuth responses as decision-support information.Show more lines
Limitations
SCA Optimization does not:
- Determine regulatory compliance
- Perform authentication
Responsibility for compliance and authentication execution remains with the client and their acquirer.
Note: Universal Fraud API Payment Optimization responses should be treated as decision support, not regulatory determinations.