Transaction Risk Analysis

Our Exemption Optimization Service (EOS) can perform real-time Transaction Risk Analysis (TRA) and respond with an outcome on exemption eligibility. Once eligibility is confirmed, the exemption can be requested from the Issuer as part of both the 3D Secure 2 authentication and payment authorization, or just in the payment authorization alone.

Submitting the exemption request in both the 3D Secure 2 authentication and payment authorization ensures the best chance that the exemption will be applied.