Please use AccVerify to request an Account Verification when adding a card to COF without a payment.
Non-payment authentications for Card Add transactions always require step-up authentication (i.e. challenge).
Provisioning, such as Card Add is generally considered as an
action through a remote channel which may imply a risk of payment fraud or other abuses
pursuant to article 97(1)(C) PSD2. There are no exemptions provided for these actions.
When a card is added to COF and a payment is requested at the same time, only one SCA is needed.
Use case | Flags |
Add COF without a payment | AccVerify credentialOnFile |
Add COF as part of a payment | credentialOnFile |