01↗
Collect authentication context
Send device, account, customer, transaction, merchant, and payment data to support issuer decisioning.
Processing Partners↗3DS AUTHENTICATION
3DS AUTHENTICATION
Stronger authentication with less unnecessary friction.
Use EMV 3DS, risk-based authentication, exemptions, biometrics, one-time passwords, and app-aware flows to support SCA and manage fraud liability.
95%frictionless potential
<2sauthentication response target
99.9%service availability
THE OPERATING IDEA
The goal is to authenticate the customer with the least friction the risk and regulation allow—while keeping challenge, exemption, liability, and outcome data connected to the payment.
THE SOLUTION04connected dimensions
02↗
Seek the frictionless path
Eligible low-risk transactions can complete without an active customer challenge.
03↗
Handle the challenge
Support biometric, OTP, push, and issuer-selected challenge experiences across browser and mobile.
04↗
Use the outcome
Pass authentication data into authorization and retain the status, liability, and exception context for operations.
CAPABILITY MAP
What the solution can bring together.
Final availability and configuration are confirmed against the business model, markets, providers, and implementation scope.
01EMV 3DS 2.x↗02Risk-based authentication↗03Frictionless flow↗04Biometric challenge↗05OTP and push↗06PSD2 SCA↗07Exemptions↗08Liability shift↗09Web and mobile SDKs↗10Authentication reporting↗
ONE SOURCE. GLOBAL REACH.
Start a conversation ↗Make the next payment path clearer.
Talk with a team that understands the commercial, technical, risk, and operating sides of payments.