Acquirer Exemption
The Acquirer Exemption Rule processes transactions where the acquirer has already performed risk analysis or authentication and is requesting an exemption. This applies when the 3DS Requestor Challenge Indicator is set to 05 (TRA already performed) or 07 (SCA already performed). In these cases, the acquirer has accepted liability.
Apata enforces a hard limit of €500 for acquirer exemptions in accordance with PSD2. Transactions above €500 are passed to the next rule regardless of configuration.
Parameters
All Merchants Toggle
When enabled, the configured action applies to all merchants. When disabled, a list of specific merchant names must be provided and the action applies only to those merchants.
Action
| Value | Behaviour |
|---|---|
Allow | Honours the exemption. The transaction is approved frictionlessly. |
Deny | Denies the exemption. The transaction is passed to subsequent rules. |
Max Transactions Before Challenge
Sets a per-merchant, per-card limit on the number of acquirer exemptions before a challenge is triggered. Once the limit is reached, the cardholder is challenged and the counter resets.
Flow
flowchart TD
classDef success fill:#e6ffed,stroke:#38a169,color:#276749
classDef terminal fill:#fff5f5,stroke:#fc8181,color:#c53030
classDef process fill:#ebf8ff,stroke:#4299e1,color:#2c5282
START([Transaction received]) --> REQ{Acquirer exemption requested?}:::process
REQ -->|No| NEXT1([Next Rule])
REQ -->|Yes| LIMIT{Amount ≤ €500?}:::process
LIMIT -->|No| NEXT2([Next Rule])
LIMIT -->|Yes| VOL{Under volume limit?}:::process
VOL -->|No| NEXT3([Next Rule])
VOL -->|Yes| ACTION{Configured action?}:::process
ACTION -->|Allow all merchants| ACC([Frictionless · SUCCEEDED]):::success
ACTION -->|Deny all merchants| NEXT4([Next Rule])
ACTION -->|Allow merchants in list| INLIST1{Merchant in list?}:::process
ACTION -->|Deny merchants in list| INLIST2{Merchant in list?}:::process
INLIST1 -->|Yes| ACC2([Frictionless · SUCCEEDED]):::success
INLIST1 -->|No| NEXT5([Next Rule])
INLIST2 -->|Yes| NEXT6([Next Rule])
INLIST2 -->|No| ACC3([Frictionless · SUCCEEDED]):::success
Examples
Allow All Merchants - With Volume Limit
Exempts all merchants requesting TRA or SCA exemptions. Once 5 exemptions are reached for a specific merchant and card, a challenge is triggered.
Deny All Exemptions
All acquirer exemption requests are denied and passed to subsequent rules.
Allow a Specific Merchant Only
Exemptions are permitted only for Nvidia. All other merchants are denied. Exemptions for Nvidia are capped at 2 before a challenge.
Deny a Specific Merchant Only
All merchants are exempted except TestMerchant, whose exemption requests are denied.
Updated 18 days ago