# How to prepare for PSD2 compliance and optimize

## the payment process:

Ask your PSP what level of exemptions they can offer based on your overall fraud rate. The goal is to determine how likely their issuing bank is to grant exemptions.

Add pre-auth fraud decisioning to your eCommerce platform to improve your risk profile with banks and increase the approval rate for authorizations.

Use a TRA exemption engine to identify as many eligible SCA exemptions as possible, automatically requesting those exemptions from your PSP.

Consider adding a second payment processor to reduce your dependency on a single decision maker. Multiple PSPs mean more options for routing and rerouting transactions.

Implement a solution with decline recovery so that you can recover transactions where bank authorization failed, rerouting them to alternate payment processors in real time.

Add additional reporting to track 3DS abandonment, 3DS failure, and authentication failure.