Of course it's enforceable technically. Any exemption is up to the issuer. https://www.checkout.com/blog/exemptions-to-sca https://www.checkout.com/blog/exempt

Of course it's enforceable technically. Any exemption is up to the issuer. https://www.checkout.com/blog/exemptions-to-sca 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.