SCA exemptions

Accessing payment account balance or transaction data may be exempted from SCA if the following conditions are met:

• Transaction data was processed more than 90 days ago.
• SCA was applied for the same action in the last 180 days.

Trusted beneficiaries are specific contacts or bank accounts that you designate as trustworthy. Payments or withdrawals to these beneficiaries may be exempted from Strong Customer Authentication (SCA).

You can add any individual or organization created via the Beneficiaries API as a trusted beneficiary. These are created with an intent to transfer funds by specifying the bank details and payment method.

You can mark a beneficiary as trusted by setting the sca_exemptible attribute to true. By default, this field is set to false if no value is specified for this field. You can do this when creating a new beneficiary or updating an existing one via Beneficiaries API. Note that SCA will still apply when a user creates a new trusted beneficiary or updates trusted beneficiary information.

If you wish to remove a beneficiary from the trusted list, update the beneficiary and set sca_exemptible to false. Subsequent payouts to this beneficiary may require SCA.

For more information on trusted beneficiary exemption, see Whitelisting for payouts SCA compliance.

SCA may be exempted when payment transactions meet both of the following conditions:

• Payment transaction amount does not exceed 30 EUR, and the cumulative amount of previously exempted payments does not exceed 100 EUR.
• The number of SCA exempted transactions since the last SCA was applied doesn’t exceed five consecutive payment transactions.

Payment transactions that are considered low risk based on Airwallex's risk engine may be exempted from SCA.

Payment transactions to another Airwallex account owned by the same legal entity may be exempted from SCA.