eCOM Exemption Advisor

Your solution for a more convenient payment experience

Offer your customers frictionless online payment with the right exemption strategy

Increase the conversion rate

Use the right suitable exemption strategy and facilitate card payment

Decrease the risk of fraud

RiskShield calculates the risk of each transaction and enables secure payment.

Provide more frictionless user experience

Enable cardholders to have a smooth online payment process

Looking for the ideal balance between payment security and user convenience for your business? Offer your cardholders a frictionless online payment experience by applying exemptions from Strong Customer Authentication (SCA) without endangering digital payment security.

Netcetera eCOM Exemption Advisor enables merchants, acquirers and PSPs to define and apply a strategy for using exemptions from SCA to provide your customers with a seamless digital payment experience.

Biljana Nikolovska
Senior Product Manager, Secure Digital Payments at Netcetera

Is your client running an online shop and doing everything to convince the visitor to click the pay button?

If this were an in-store purchase the merchant could have started celebrating a successful sale early, since completing the payment, either by cash or card could be done in a matter of seconds. But online, the chances that the shopper will not complete the payment process are sky high and the reasons are known: the process lasts too long and additional authentication steps may be applied as a security measure…

How can the merchant prevent losing the shopper in the final step?

There are lot of different answers to this question, and here is one of them: exempt your online shopper from strong authentication whenever there is a low risk of fraud. Netcetera eCOM Exemption Advisor helps merchants make the right decision when to do it, by defining and applying an exemption strategy from SCA.

Risk assessment in real time with RiskShield by Inform

Calculate the risk at the very beginning of the transaction flow, before triggering the 3DS Server, in order to minimize friction while still processing a secure transaction. 

Check if an exemption is applicable

(After risk assessment)

Transaction Risk Analysis (TRA)

Low-value Payment

Recurring Payments Exemption

One Leg (Out) Transaction

Risk for Delegated Authentication

Applying exemption strategy and deciding whether the transaction should be submitted

with acquirer’s exemption directly to authorization, skipping the 3DS flow, or

with/without acquirer’s exemption to 3DS authentication

Providing feedback to the risk engine

Sending the authentication/authorization results back to the eCom Exemption Advisor to let it learn for the future

Constantly and dynamically updating the cardholder’s profile in RiskShield engine with every new transaction

Supports both protocol versions: 3DS 1.0 and EMV 3DS 2.x

Supports browser and app-based payments

Risk level management and control of liability shift with Inform RiskShield solution.

Card network-neutral

Control over risk assessment

Flexible exemption handling. Customizable choice of exemptions and risk configuration.

Increase your conversion rate with our solution

Customized smart exemption rules

The choice of exemptions is up to the customer and it can be extendable for new exemption types for different regions.

Control liability shift

Risk level management and control of liability shift with Inform RiskShield solution.

Upgrade your offer with other Netcetera solutions

State-of-the-art products that will improve your sales

Compliant with all regulations

Full compliance with national and international regulations

We make an impact today by offering you authentic, innovative and reliable solutions

What makes us the best choice?

Our impeccable customer service

Solid protection against fraud

24/7 reliability

Our knowledge and expertise

Fastest time to market

The choice of exemptions is up to the customer and it can be extendable for new exemption types for different regions.

Transaction Risk Analysis (TRA)

Risk score: low
Payment range: <500€

Can be applied only for low-risk transactions if merchant, acquirer, or PSP is doing a risk assessment. Beside the low-risk precondition, TRA is limited by the purchase amount threshold, or Exemption Threshold Value (ETV), based on the acquirer’s fraud rate.

Recurring Payments Exemption


This applies to a transaction which follows an initial payment where SCA was applied. All subsequent payments must come from the same payee and must be smaller or equal than the first authenticated transaction.

Low-value Payment

Transaction amount:  ≤ 30€

This refers to a transaction that does not exceed 30 euros. In addition, the total amount of the last SCA should not exceed 100 euros, or the total number of previous transactions initialed by the payer since the last SCA should not exceed 5 consecutive transactions.

One Leg Out Transaction

This occurs when the issuer or the acquirer of the transaction is not in the European Economic Area (EEA).

Delegated Authentication

With this exemption, the authentication is carried out directly by merchants, who can perform the cardholder authentication themselves.

More satisfied customers, less abandoned carts, and more revenue with eCOM Exemption Advisor