Priority among the different means of expressing the merchant preference

The merchant preference can be expressed on several levels:

The parameter transmitted in the payment request (strongAuthentification of the REST API or vads_threeds_mpi of the Hosted Payment Page) has priority over the decisions of the risk assessment module.

If the merchant does not express the desire via the payment request or the risk module, the payment gateway configuration is applied.

The merchant preference is ignored when:
  • The used payment method is Maestro.
  • The payment gateway performs a new payment attempt after a soft decline.
  • The merchant has requested for the payment method to be saved.