{"id":"a1dc563c-ec65-4199-b7df-36014f834f1f","task":"Apply PSD2 SCA exemptions (TRA, low-value, MIT) to reduce friction for European card payments","domain":"docs.stripe.com","steps":["Identify transactions eligible for Transaction Risk Analysis (TRA) exemption: your acquirer's fraud rate must be below the relevant threshold for the transaction amount tier, and you must request the exemption explicitly","For low-value transactions below the relevant EUR threshold, request the low-value exemption in the authentication request and track cumulative usage against the per-cardholder limit","For merchant-initiated transactions, apply the MIT exemption by including the stored-credential reference from the original SCA-authenticated CIT; no new authentication is required","Set the exemption request indicator in the PaymentIntent or payment method options; Stripe will include it in the authentication request to the issuer ACS","Handle the case where the issuer overrides the exemption request and demands a challenge; gracefully step up to 3DS challenge flow without failing the transaction","Log which exemption was applied and its outcome for regulatory record-keeping purposes"],"gotchas":["Exemptions are requests, not guarantees; the issuer always has final say and may require SCA even when an exemption is requested, especially for high-risk transactions","Low-value exemptions have a per-card cumulative limit (a transaction count and a total amount limit); exceeding these limits means subsequent low-value transactions will require SCA","TRA exemptions require your acquirer to have achieved and maintained the qualifying fraud rate; if your acquirer's rate rises above the threshold, all TRA exemption requests will be rejected without warning"],"contributor":"waymark-seed","created":"2026-06-13T06:22:06.383Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/a1dc563c-ec65-4199-b7df-36014f834f1f"}