Transmitting merchant preferences

Use field vads_threeds_mpi to transmit your preference:

Use case	Values	Description
CHALLENGE: with cardholder interaction	1	Deprecated.
	3	3DS Requestor Preference: allows to request strong authentication for the transaction.
	4	Challenge request mandate: allows to indicate that, due to regulatory reasons, strong authentication is required for the transaction.
FRICTIONLESS: without cardholder interaction	2^*	Allows to request an exemption from strong authentication: Low value transactions. Transaction Risk Analysis(TRA Acquirer). Safe'R by CB. More information: Table of exemptions, below.
No merchant preference	0 or absent or empty	The choice of the preference is transferred to the card issuer. If the issuer decides to perform an authentication without interaction (frictionless), the payment will be guaranteed.
No merchant preference	5

^* Table of exemptions:

Exemptions	Description
Low value transactions	In Europe, you can request an exemption from strong authentication, for transactions of less than EUR 30, and within the limit of either 5 successive operations or a cumulative amount of less than EUR 100. If the amount is higher than EUR 30, the value transmitted by the merchant is ignored and the choice of the preference is transferred to the card issuer (No Preference). For payments made in a currency other than euro, a request for frictionless is transmitted to the issuer. If the frictionless request is accepted, the merchant loses the payment guarantee. If the store does not have the “Frictionless 3DS2” option, the choice of the preference is transferred to the card issuer (No Preference).
Transaction Risk Analysis(TRA Acquirer)	If your store has the “TRA 3DS2 Acquirer” option, you can ask the issuer for an exemption from strong authentication if the amount is below the threshold set by your financial institution. If the frictionless request is accepted, the merchant loses the payment guarantee. The “TRA 3DS2 Acquirer” activation option is subject to the prior agreement of your financial institution.
Safe'R by CB	CB offers theSafe'R by CBprogram. This program is designed to meet the needs of very low-risk, high-volume merchants. You can request an exemption from strong authentication: If the amount is less than EUR 100, the exemption is systematic for eligible merchants. If the amount is between EUR 100 and EUR 250, an experiment is underway. To qualify, the merchant must: Have a CB contract. Be eligible for acquirer TRA. Transmit the required values in the 3D Secure flow, according to the rules defined by the platform. If the frictionless request is accepted, the merchant loses the payment guarantee. To benefit from theSafe'R by CBprogram, contact E-commerce customer service to get an explicit agreement.

Exemptions

Description

Low value transactions

In Europe, you can request an exemption from strong authentication, for transactions of less than EUR 30, and within the limit of either 5 successive operations or a cumulative amount of less than EUR 100.

If the amount is higher than EUR 30, the value transmitted by the merchant is ignored and the choice of the preference is transferred to the card issuer (No Preference).

For payments made in a currency other than euro, a request for frictionless is transmitted to the issuer.

If the frictionless request is accepted, the merchant loses the payment guarantee.

If the store does not have the “Frictionless 3DS2” option, the choice of the preference is transferred to the card issuer (No Preference).

Transaction Risk Analysis(TRA Acquirer)

If your store has the “TRA 3DS2 Acquirer” option, you can ask the issuer for an exemption from strong authentication if the amount is below the threshold set by your financial institution.

If the frictionless request is accepted, the merchant loses the payment guarantee.

The “TRA 3DS2 Acquirer” activation option is subject to the prior agreement of your financial institution.

Safe'R by CB

CB offers theSafe'R by CBprogram. This program is designed to meet the needs of very low-risk, high-volume merchants. You can request an exemption from strong authentication:

If the amount is less than EUR 100, the exemption is systematic for eligible merchants.
If the amount is between EUR 100 and EUR 250, an experiment is underway. To qualify, the merchant must:
- Have a CB contract.
- Be eligible for acquirer TRA.
- Transmit the required values in the 3D Secure flow, according to the rules defined by the platform.

If the frictionless request is accepted, the merchant loses the payment guarantee.

To benefit from theSafe'R by CBprogram, contact E-commerce customer service to get an explicit agreement.

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Transmitting merchant preferences