No one wants to put obstacles in the way of paying. These extra checks will help protect your business from fraud and should, at most, only add a few seconds to your activity.
If your online purchase is considered low value, it’s likely that you won’t need to authenticate your transaction (you’ll be prompted if you do need to). There are also a few other exemptions to needing to authenticate twice:
low-risk transactions
If a transaction, through a real-time risk assessment, is deemed by us to be low risk, an exemption could apply. It’s important to note that this particular exemption comes with a complex set of conditions.
recurring payments
A series of payments of the same value to the same merchant (subscriptions and membership fees) are exempt after the initial set up. The initial set up of the recurring payment will still require authentication, but all following transactions will be exempt.
secured corporate payment exemption
Secure payments which are made through a dedicated payment protocol by businesses will be exempt from SCA.
As Barclaycard is both the issuer and acquirer, we’ll have an unrivalled view of the payment landscape, allowing us to proactively apply exemptions to a large number of transactions.