Merchant preference

The merchant can express their choice concerning strong buyer authentication using the vads_threeds_mpi field.

The value transmitted in the payment request has priority over the risk rules potentially defined by the merchant in their Merchant Back Office.

Here is how to use it:

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. Transactional Risk Analysis (TRA Acquéreur). LRM (Low Risk Merchant). More informations: 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 (value number 2):

Exemptions	Description
Low value transactions	In Europe, you can request an exemption from strong authentication, for transactions of less than €30, and within the limit of either 5 successive operations or a cumulative amount of less than €100. If the amount is higher than €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).
Transactional Risk Analysis (TRA Acquéreur)	If your store has the "TRA Acquirer 3DS2" 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 “Acquirer 3DS2 TRA" activation option is subject to the prior agreement of your financial institution.
LRM (Low Risk Merchant)	CB offers the LRM (=Low Risk Merchant) program. 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 €100, the exemption is systematic for eligible merchants. If the amount is between €100 and €250, an experiment is underway. To qualify, the merchant must : Have a CB contract. Be eligible for TRA acquéreur. 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 CB's LRM program, you must contact E-commerce customer service to obtain explicit approval.

Exemptions

Description

Low value transactions

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

If the amount is higher than €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).

Transactional Risk Analysis (TRA Acquéreur)

If your store has the "TRA Acquirer 3DS2" 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 “Acquirer 3DS2 TRA" activation option is subject to the prior agreement of your financial institution.

LRM (Low Risk Merchant)

CB offers the LRM (=Low Risk Merchant) program. 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 €100, the exemption is systematic for eligible merchants.
If the amount is between €100 and €250, an experiment is underway. To qualify, the merchant must :
- Have a CB contract.
- Be eligible for TRA acquéreur.
- 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 CB's LRM program, you must contact E-commerce customer service to obtain explicit approval.

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Merchant preference