Recurring Payment

Apata verifies two conditions before applying the exemption:

Is Recurring

The transaction must be classified as a recurring payment by the payment scheme.

Previously Authenticated

The merchant and amount must have been authenticated in a prior transaction for the same card.

If both conditions are met, the transaction is exempted. If either condition is not met, the transaction moves to the next rule or is challenged.

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]) --> REC{Is Recurring Payment?}:::process
    REC -->|No| NEXT([Next Rule])
    REC -->|Yes| AUTH{Merchant and amount<br/>previously authenticated?}:::process
    AUTH -->|No| CHAL([Challenge Flow]):::process
    AUTH -->|Yes| ACC([Frictionless · SUCCEEDED]):::success

Example

The following configuration exempts recurring payment transactions where the merchant and amount have been previously challenged.