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Americas

United States
Puerto Rico

Europe

Denmark
Germany
Ireland
Norway
Poland
Sweden
United Kingdom
Spain

Optimise your online payments

Online fraud is a tricky problem to tackle. To help fight back against fraudsters, extra security checks in the form of SCA are part of the process when your customers shop online. SCA reduces fraud rates but can also increase cart abandonment, as some shoppers bail out before they checkout.

With Transaction Risk Analysis, you can get SCA exemptions for low-risk online transactions up to €500*, which means a frictionless checkout for cardholders and increased sales for your business.

*For other currencies, value is up-to-date converted amount equivalent to €500 at time of transaction.

TRA options for you and your business

Elavon TRA

With Elavon TRA, we request SCA exemptions from the issuer on your business' behalf after the Elavon risk engine performs transaction risk analysis.

Outsource TRA

With Outsource TRA, you tell Elavon exactly which payments to flag for TRA exemption, using your own risk-rating tool. We then send your exemption requests to the issuer.

How does Elavon TRA work?

Analyse qualifying transactions

Determine qualifying transactions

If an online transaction is flagged as low risk and the payment-service provider fraud rate is within certain thresholds, it can be exempted from the SCA process.

TRA2

Analyse qualifying transactions

In these cases, our TRA solution instantly tests for any abnormal spending or behavioural patterns, or unusual features of cardholder location, device or software.

Provide frictionless payment

Provide frictionless payment

Once TRA is completed, cardholders can enjoy a frictionless checkout, with exempted transactions sent straight to authorisation without the need for the SCA challenge.

... or choose to take control

Alternatively, with Outsource TRA from Elavon, you can tell us exactly which payments to flag for exemption by using your own risk-rating tool.

*A soft decline is the request for the cardholder to authenticate themselves using 3-D Secure for transactions under €500. For countries using other currencies, value is up-to-date converted amount equivalent to €500 at the time of the transaction.

Industry accolades for TRA

TRA is easy to implement as part of your existing ecommerce infrastructure, making the payment process simple and secure for your business and your customers.

TRA is also attracting industry accolades:

  • Finalist - Payments Innovation Award (FS Awards 2022)
  • Winner - Best Service to Business (Card and Payment Awards 2022)
  • Nominated - Best Technology Initiative Award (Card and Payment Awards 2022)
  • Silver - Best B2B Payments Programme Award (UK Emerging Payments Awards 2021)

Related resources

What is carding?

What is carding?

Understanding how fraudsters exploit your ecommerce website can help protect you from attack.

Payments optimisation

Payments optimisation

Maximise online sales and security, while minimising fraud and friction for eligible ecommerce transactions.

The future of retail

The future of retail

From ecommerce and omnichannel to advanced payments technology, retail is innovating like never before.

Is there anything else you'd like to know?

Click below to contact an Elavon payments expert.

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