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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?
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.
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
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?
Understanding how fraudsters exploit your ecommerce website can help protect you from attack.
Payments optimisation
Maximise online sales and security, while minimising fraud and friction for eligible ecommerce transactions.
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.
Helping thousands of customers around the world grow their business through payments
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Elavon technical support: 0345 850 0195 (menu option 1)
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Copyright© | U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as U.S. Bank Europe, is a credit institution authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
Helping thousands of customers around the world grow their business through payments
Customer service and support
We’re here to help!
Customer service: 0345 850 0195 (menu option 2)
8am to 6pm, Monday to Friday
Elavon technical support: 0345 850 0195 (menu option 1)
24 hours a day, 365 days a year
Opayo product support: 0191 313 0299
24 hours a day, 365 days a year
Copyright© | U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as U.S. Bank Europe, is a credit institution authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
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