Whitelist

The Whitelist Rule (Trusted Beneficiaries) exempts transactions from merchants that have been added to a cardholder's trusted merchant list. Once a cardholder completes SCA to add a merchant to their Whitelist, subsequent transactions with that merchant are approved frictionlessly without requiring SCA again.

📘
Merchants are added to a cardholder's whitelist using the V2 Whitelist - Add to Whitelist API.

Flow

flowchart TD
    classDef success fill:#e6ffed,stroke:#38a169,color:#276749
    classDef process fill:#ebf8ff,stroke:#4299e1,color:#2c5282
    START([Transaction received]) --> TRUSTED{Is merchant on<br/>cardholder's Whitelist?}:::process
    TRUSTED -->|No| NEXT([Next Rule])
    TRUSTED -->|Yes| ACC([Frictionless · SUCCEEDED]):::success

Example

The following configuration applies the whitelist exemption for any merchant the cardholder has previously whitelisted.