"Our e-commerce portal has maintained an ultra-low fraud rate of under 0.01%, which legally qualifies us for frictionless TRA exemptions on transactions up to €500. However, during our peak seasonal sales, European banks are still blocking half our orders, forcing our customer support team to manually email clients to request payment retries.".
Even if you maintain a perfect security record to bypass card security checks, the customer's bank has the final say and can still block the charge, meaning you must have an automated backup plan to ask the customer to authenticate.
Legally qualifying for a TRA exemption does not guarantee frictionless execution; the issuing bank's ACS maintains the ultimate authority to approve or deny the exemption. Lacking a stateful, real-time escalation path to EMV 3DS2 results in immediate transaction failures.
We implement the VSI Active EMV 3DS2 SCA Escalation Path. If an automated recurring charge returns a soft decline from the issuer’s ACS, the gateway triggers an out-of-band callback to VNA Identity. VNA initiates a secure, mobile-friendly WebAuthn step-up challenge session via email/SMS, enabling the client’s authorized buyer to sign the transaction biometrically, instantly restoring the subscription anchor.
Exemption eligibility does not supersede issuer controls. VALZOX deploys out-of-band authentication escalation paths to secure transactions even when ACS rejects the friction bypass.
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