Intelligent 3DS for balanced authentication.
Authenticate with intent, not by default — risk-informed 3DS adds protection where it helps and keeps friction off transactions that don't need it.
3DS decision · per transaction
Every challenge has a cost.
Some transactions need authentication. Many don't. Treating them all the same adds friction exactly where it isn't needed.
Friction has a cost
Challenging every transaction treats good customers like risks. Authentication should be intentional, not a default.
Issuer requirements differ
Some transactions need issuer or customer authentication — the decision layer accounts for where it is required.
Risk context matters
Device, transaction and history signals tell different stories. 3DS decisions are informed by them, per transaction.
Security and conversion, balanced
Intelligent 3DS helps balance payment security, issuer requirements and conversion impact — without guesswork.
Signals in. Decision out.
Each transaction is decided on its own context — not on a blanket rule.
Signals
3DS decision
Authentication applied with intent — informed by the signals, per transaction.
Frictionless
Low risk — no challenge added.
Challenge · step-up
Authentication where it adds protection.
Review · route
Higher risk — handled with controls.
Decided per transaction. Part of the same decision layer as fraud controls — not a separate bolt-on.
One decision inside the flow — not a detour.
Challenge only where useful
Step-up is applied when signals or issuer requirements call for it — not as a blanket rule on every payment.
Context carried into visibility
Authentication outcomes stay attached to the transaction — visible to your team alongside risk and routing context.
Authentication your team can steer.
Step-up thresholds and policies are configurable per integration — and every outcome stays visible, with its authentication context, in the merchant portal preview.
Add intelligent 3DS to your card payment flow.
Talk to our team about risk-informed authentication, step-up policies and how outcomes stay visible to your team.
Risk-informed
3DS decisions informed by risk signals.
Less friction
Can reduce unnecessary challenges on good transactions.
Issuer-aware
Authentication where requirements call for it.
Visible outcomes
Authentication context in the portal preview.