---
title: "RBA - Risk Based Authentication by Banca Sella"
description: "Risk Based Authentication by Banca Sella: PSD2 exemptions for low-risk transactions, for a simpler checkout and a better conversion rate."
url: "https://docs.fabrick.com/en/payment-hub-and-orchestra/ecommerce/features/fraud-prevention/rba-banca-sella/"
language: "en"
---

# 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

✓ — Checkout Page

✓ — Pay By Link

✓ — Web Component

✓ — Lightbox

✓ — API Only

✓ — Plugin (Check the dedicated page)

---

## 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.

---

## 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).

---

## 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](mailto:rba_sca@sella.it)       | SCA requested                                                                                                                                       |
| [rba_tra@sella.it](mailto:rba_tra@sella.it)       | TRA exemption is sent and SCA is not requested                                                                                                      |
| [rba_denied@sella.it](mailto:rba_denied@sella.it) | The transaction is considered fraudulent and therefore denied with transactionErrorCode "7422" - "Transaction Rejected - High Risk Profile (Fraud)" |

---

## RBA Payload

#### **`POST payment/create`**

**Request**

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

```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"
                }
            }
        }
    }
}
```