RBA - Risk Based Authentication by Banca Sella

For operations that do not represent a high risk, the European PSD2 regulation provides the possibility of activating exemptions, for a simpler shopping experience and to ensure a better cart conversion rate.

Supported Integrations

✓HPPO

✓Pay By Link

✓Web Component

✓Lightbox

✓API Only

✓Plugin (Check the dedicated page)

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The RBA Solution to Simplify Purchases

RBA (Risk Based Authentication) is a solution that analyzes the fraud risk on transactions in real time and, in the case of low risk, activates the TRA (Transaction Risk Analysis) exemption.

The service applies to Ecommerce transactions and is also available for merchants using plugins.

Plugin

✓Magento 2

✓Prestashop

✓Salesforce

✓WooCommerce

The service is available upon request by contacting your commercial representative.

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How to Benefit from Exemptions

It is necessary to transmit complete transaction information to the payment gateway (such as operation details, delivery address, etc.) and customer information (e.g. transaction beneficiary, buyer location, billing address, etc.).

For this purpose, certain fields that were previously optional are now mandatory for the activation of the exemption.

Shipping and billing address information must always be filled in.
If a shipping address is not available, this field must match the billing address (for example in the case of service sales).

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RBA in Sandbox

To test the service, you must have submitted an activation request through your commercial representative. By populating the buyerEmail field as shown in the table and using a card that requires 3D, for example 4012000000003101, it is possible to test various scenarios.

Email	Final outcome
rba_sca@sella.it	SCA requested
rba_tra@sella.it	TRA exemption is sent and SCA is not requested
rba_denied@sella.it	The transaction is considered fraudulent and therefore denied with transactionErrorCode "7422" - "Transaction Rejected - High Risk Profile (Fraud)"

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RBA Payload

POST payment/create

Request

POST /api/v1/payment/create
Host (sandbox): sandbox.gestpay.net
Host (production): ecomms2s.sella.it
Authorization: apikey ****************
Content-Type: application/json

{
    "shopLogin": "GESPAY12345",
    "amount": "21.47",
    "currency": "EUR",
    "shopTransactionID": "OrderID",
    "buyerName": "John Doe",
    "buyerEmail": "rba_tra@sella.it",
    "clientIP": "213.218.123.123",
    "OrderDetails": {
        "CustomerDetail": {
            "FirstName": "John",
            "Lastname": "Doe",
            "PrimaryEmail": "rba_tra@sella.it"
        },
        "ShippingAddress": {
            "FirstName": "Katniss",
            "Lastname": "Everdeen",
            "StreetName": "Via Castello, 52",
            "CountryCode": "IT",
            "State": "Biella",
            "City": "Ronco Biellese",
            "ZipCode": "13848"
        },
        "BillingAddress": {
            "FirstName": "Eleanor",
            "Lastname": "Shellstrop",
            "StreetName": "Via dei Ponderanesi, 2",
            "CountryCode": "IT",
            "State": "Biella",
            "City": "Ponderano",
            "ZipCode": "13875"
        }
    },
    "transDetails": {
        "ThreeDsContainer": {
            "BuyerDetails": {
                "BillingAddress": {
                    "City": "Ponderano",
                    "Country": "IT",
                    "PostCode": "13875",
                    "State": "Biella"
                },
                "ShippingAddress": {
                    "City": "Ronco Biellese",
                    "Country": "IT",
                    "PostCode": "13848",
                    "State": "Biella"
                },
                "CardHolder": {
                    "Name": "Jane Hopper",
                    "Email": "rba_tra@sella.it"
                }
            }
        }
    }
}