sca_exemption_decision
InactiveTool of AXIS Toolbox — Agentic Commerce Codebase Intelligence
Decide the lighter-SCA path for a single transaction using AXIS's published 7-priority PSD2 exemption matrix (the same decideScaExemption engine that renders the SCA Exemption Decision Matrix in generated artifacts). Input: amount_eur (required, PSD2 thresholds are EUR-denominated — convert before calling) plus optional context flags (secure corporate program, MIT, fixed recurring + prior SCA, trusted beneficiary + prior SCA, one-leg-out, acquirer TRA fraud rate in basis points). Returns the chosen exemption, its priority, sca_required, rationale, fallback path, all applicable candidates, the rendered priority matrix, and a sha256 reproducibility proof. Free, no auth, deterministic, no side effects. HONESTY: decision-support only, NOT an authorization oracle — final exemption eligibility is decided by the acquirer/issuer; TRA caps use published EBA RTS Art. 15 bands, not your acquirer's live fraud rate.
Parameters schema
{
"type": "object",
"required": [
"amount_eur"
],
"properties": {
"amount_eur": {
"type": "number",
"description": "Transaction amount in EUR (PSD2 thresholds are EUR-denominated)."
},
"has_prior_sca": {
"type": "boolean",
"description": "A prior SCA exists — gates recurring_fixed and trusted_beneficiary."
},
"is_one_leg_out": {
"type": "boolean",
"description": "Payer or payee outside the EEA (territorial scope, not a formal exemption)."
},
"is_recurring_fixed": {
"type": "boolean",
"description": "Fixed-amount subsequent collection (RTS Art. 13). Requires has_prior_sca."
},
"is_secure_corporate": {
"type": "boolean",
"description": "Dedicated/lodged corporate card program (RTS Art. 16)."
},
"is_merchant_initiated": {
"type": "boolean",
"description": "MIT with stored credential + original SCA reference (out of SCA scope)."
},
"is_trusted_beneficiary": {
"type": "boolean",
"description": "Merchant on the cardholder's trusted list (RTS Art. 12). Requires has_prior_sca."
},
"tra_acquirer_fraud_bps": {
"type": "number",
"description": "Acquirer reference fraud rate in basis points (EBA RTS Art. 15 bands: <=1 → €500 cap, <=6 → €250, <=13 → €100)."
}
}
}No endpoints wrapped at confidence ≥ 0.50.
Parent server
AXIS Toolbox — Agentic Commerce Codebase Intelligence
https://github.com/lastmanupinc-hub/Toolbox
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