A Challenge Request Indicator (CRI) is an exemption flag used to provide you with the option to request the issuer, to not challenge the card holder at the time of the transaction.
Judopay has introduced the following exemption flags for you to add per transaction:
Challenge Request Indicator
Indicates the type of challenge request:
- No Preference
- No Challenge
- Challenge Preferred
- Challenge As Mandate
The Customer-Initiated-Transaction (CIT) type, that is exempt from SCA.
This is subject to the Issuer’s decision; they do not have to honour this request and can reject authentication with a soft decline.
A soft decline is where the issuer rejects the exemption and requests the card holder be challenged for 3D Secure.