For AI agents: the complete documentation index is at /llms.txt, and the full text of every page is at /llms-full.txt. Most pages are also available as Markdown by adding .md to the URL.

Low-Value Transactions

Avoid authentications for transactions under a certain amount.

This guide focuses on how to request an exemption for a low-value transaction in the authorization.

Exemption criteria

Transactions up to 30 EUR (or converted equivalent) can be exempted from Strong Customer Authentication (SCA), dependent on the following criteria:

Up to a maximum of five (5) consecutive transactions
OR, up to a cumulative limit of 100 EUR (or converted equivalent)

Authorization message

The low-value transaction exemption can only be requested in the Payment Authorization message. If the Issuer accepts the exemption request, the transaction will proceed as normal and will be successful or declined based on standard criteria (sufficient funds, correct security code entered, and so on). If the exemption request is not accepted, the Issuer might respond with a soft decline (see Soft decline section).

Sample request

curl --location --request POST 'https://apis.sandbox.globalpay.com/ucp/transactions' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer vJCIFsAMxW9PgVBKz91MoOSMvw9p' \
--header 'Accept: application/json' \
--header 'X-GP-Version: 2021-03-22' \
--data-raw '{
  "account_id": "TRA_4d49f5d4e1b84ea4a28c8902a8538375",
  "channel": "CNP",
  "type": "SALE",
  "amount": "100",
  "currency": "EUR",
  "reference": "25576071",
  "country": "IE",
  "payment_method": {
      "name": "James Mason",
      "entry_mode": "ECOM",
      "card": {
          "number": "4263970000005262",
          "expiry_month": "09",
          "expiry_year": "22"
      },
      "authentication": {
          "three_ds":{
              "exempt_status": "LOW_VALUE"
          }
      }
  }
}'

Sample response

{
  "id": "TRN_p2fjfkU3mfWrRoQvSd6Omskep5SWxY_25576071",
  "time_created": "2022-05-06T17:08:33.816Z",
  "type": "SALE",
  "status": "CAPTURED",
  "channel": "CNP",
  "capture_mode": "AUTO",
  "amount": "100",
  "currency": "EUR",
  "country": "IE",
  "merchant_id": "MER_f414851d386a4e1f9fa4beb56c5e38b9",
  "merchant_name": "Test Merchant",
  "account_id": "TRA_4d49f5d4e1b84ea4a28c8902a8538375",
  "account_name": "internet",
  "reference": "25576071",
  "payment_method": {
      "result": "00",
      "message": "[ test system ] AUTHORISED",
      "entry_mode": "ECOM",
      "authentication": {
          "cavv_result": ""
      },
      "card": {
          "brand": "VISA",
          "masked_number_last4": "XXXXXXXXXXXX5262",
          "authcode": "12345",
          "brand_reference": "ND6ZF7rk03RaqrIJ",
          "brand_time_created": "",
          "provider": {
              "result": "00",
              "cvv_result": "M",
              "avs_address_result": "M",
              "avs_postal_code_result": "M"
          }
      }
  },
  "batch_id": "BAT_1086726",
  "action": {
      "id": "ACT_p2fjfkU3mfWrRoQvSd6Omskep5SWxY",
      "type": "AUTHORIZE",
      "time_created": "2022-05-06T17:08:33.816Z",
      "result_code": "SUCCESS",
      "app_id": "a5f0OOTJdAChObGXIqi8I5eGq6i6sLlJ",
      "app_name": "my_sandbox_app"
  }
}

Soft decline

What is a soft decline?

A soft decline is a response we get when a customers issuing bank are not willing to provide an SCA exemption to the transaction you're processing.

By requesting a low-value exemption in the authorization message, the Issuer might reject the exemption request and respond with what’s known as a soft decline: result code 111. If you receive a soft decline, you can then proceed with standard 3D Secure authentication and a second authorization. For more information on authentications, see our 3D Secure 2 documentation.

Policies

Connect

Additional Resources