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Re:Do we need to pay billions in fees to Stripe, Block, PayP... by lmz on Saturday August 17, 2024 @06:52PM (#41278686)
Of course it's enforceable technically. Any exemption is up to the issuer.

https://www.checkout.com/blog/exemptions-to-sca

> If you attempt an exemption and the bank returns a decline code indicating that the payment failed due to missing authentication, you’ll have to reattempt the payment with your customer but this time utilizing SCA.

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