Learn how payment optimisation helps merchants lift approval rates, cut processing costs and reduce false declines across cards, wallets and local payment methods.

For online merchants across the European Economic Area and the UK, Strong Customer Authentication has reshaped the checkout. It makes payments more secure, but every extra authentication step is also a moment where a genuine customer might hesitate, mistype a one-time code or abandon their basket altogether. SCA exemptions are the regulator’s answer to that tension. Used well, they let you keep low-risk transactions frictionless while staying fully compliant. Used carelessly, they expose you to fraud and the risk of breaching your SCA requirements.