Depending on your payment flow, you can set a Challenge Request Indicator (CRI) value to each transaction:
- No Preference
- No Challenge
- Challenge Preferred
- Challenge As Mandate
Or, you can choose to set an SCA Exemption.
If the issuer indicates they want to verify the consumer's identity before the transaction request can be authorised (a soft decline), Judopay will automatically resubmit the transaction to the issuer with a 3DS2 challenge request (Step Up Authentication).
The consumer will be presented with the 3D Secure 2 challenge screen to process the transaction.
For more information on the 3D Secure 2 payment flow, see the overview here.