Frictionless Flow for Charges Created Using 3D Secure 2 (3DS2)

Question

What is the 3D Secure frictionless flow and what transactions are eligible? How can the frictionless 3DS flow be applied to all customers?

Answer

3D Secure requires that customers redirect and authenticate to confirm that it is them making the purchase. This process can create friction that leads to customer drop-off.

3D Secure 2 (3DS2), the newest iteration of 3D Secure, introduces a frictionless flow that allows customers, if deemed eligible by their bank, to complete authentication without redirecting. Transaction eligibility is dependent on the issuer and is assessed on a per-transaction basis.

Transactions that require authentication and are not eligible for the frictionless flow will be presented with a modal to complete the authentication process.