PSD2 is a regulation that has been created with the aim of increasing the security of online payments and reducing fraud. But it is also expected to produce a friction in payments, a loss in conversion. As it affects all online merchants, certain exemptions and derogations have been established so that certain transactions do not have to go with the reinforced 3D Secure (SCA - Strong Customer Authentication) and that the merchant can apply for it and thus mitigate the effect of the regulation.
Which transactions would be exempt?
Payments made by cards issued outside the European Economic Area (UK is included in the EEA).
MOTO payments: Transactions where the payment has been initiated by telephone or mail. This exception applies to manual / backoffice AvaiBook bookings.
COR (CORPORATE) Payments: Payments made by Prepaid-Anonymous Cards. B2B and Virtual Prepaid Cards, such as those sometimes used by Booking.com and Expedia, are excluded from PSD2/SCA by this exception.
MIT (Merchant Initiated Transactions) payments: transactions initiated by the merchant when the payer is "non presential" from the payment process. There must be an initial payment and it must be authenticated with SCA, creating an agreement between payer and merchant. Thus, on future purchases, the merchant will be able to claim the MIT waiver because the payer has already authorised the merchant to charge his card. The "scheduled/automated charges" you make to travellers through the AvaiBook BDP, according to the payment plan of the booking, could be operated with the MIT exemption. Provided the traveller has been initially authenticated.
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