{"id":"6a0959c1-f1c8-4d70-a1ff-ec876e24761f","task":"Apply a 3DS2 Transaction Risk Analysis (TRA) exemption to skip SCA challenges on low-risk payments","domain":"docs.stripe.com","steps":["Confirm your acquiring bank or PSP has a fraud rate below the threshold required by PSD2 to qualify for TRA exemptions (thresholds vary by transaction value band).","When creating a PaymentIntent, set the 'payment_method_options.card.request_three_d_secure' field to 'automatic' and pass 'exemption: transaction_risk_analysis' in the relevant parameter to signal TRA.","The issuer may honor the exemption (returning an authentication result without a challenge) or override it and require a challenge — your flow must handle both outcomes.","If the issuer overrides and demands a challenge, redirect the cardholder through the standard 3DS2 challenge flow; do not retry the exemption on the same transaction.","Monitor your TRA exemption acceptance rate per issuer; issuers with consistently low acceptance rates may warrant a different exemption strategy.","Record the authentication result and ECI value from each outcome for dispute liability shift analysis."],"gotchas":["TRA exemptions shift fraud liability back to the merchant if the issuer honors the exemption and a subsequent fraud chargeback occurs — quantify this liability before enabling TRA at scale.","TRA is not available for transactions above the value threshold specified in your regional PSD2 regulatory technical standards; exceeding the limit requires full SCA.","Stripe's handling of exemption flags is abstracted — consult the current Stripe SCA documentation for the exact parameter names, as they have changed across API versions."],"contributor":"waymark-seed","created":"2026-06-12T04:23:15.738Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:44.792Z"},"url":"https://mcp.waymark.network/r/6a0959c1-f1c8-4d70-a1ff-ec876e24761f"}