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What is the fallback mechanism? How is it used?

Merchant-initiated transactions are those that are triggered on renewals and one-time charges. According to SCA, most off-session payments that are Merchant Initiated Transactions will be treated as exemptions.

However, there is a minor possibility that some transactions are made to go through 3DS, invariably. In such cases, the transaction might fail, which will be overcome by the fallback mechanism.

The fallback mechanism triggers the dunning process and sends payment reminder emails with the payment failure reason and the Pay Now option to customers.

Read more about configuring SCA here

Related Articles

What are the changes that I need to make to become SCA complaint?
What are the implications of not complying with SCA/PSD2?
What is SCA and where does it apply?
Will SEPA transactions require SCA?
Will the existing cards on the file require SCA? How will it affect my existing customers?

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