3DS Agnostic
The 3DS that adapts to risk,
not to the processor
Decide when and how authentication is applied to each transaction, regardless of the PSP. No engineering dependency, no unnecessary friction for the buyer.
Code verification
3:45
Amazon
Ornamental Plant
€18.75
Confirm
3D Secure
Spain
THE PROBLEM
The processor's default 3DS is not yours
and it is costing you conversion
When you delegate authentication to the PSP, you lose control: you do not decide when the challenge is triggered, you cannot apply exemptions, and you have no visibility into how many transactions drop due to unnecessary friction.
01
PSP dependency
Each processor applies its own logic. If you use several, you get different and uncontrollable behaviors.
02
Friction without context
The challenge is triggered for all transactions equally, even if the risk is low. The buyer abandons it, and you don't see it.
03
No real visibility
You don't know what percentage of transactions fail due to 3DS, nor in which markets. You cannot optimize what you cannot measure.
abandonment rate in 3DS flows with redirect to the bank
Visa and Mastercard 3DS 2.x programs.
HOW IT WORKS
Define your strategy from the panel
Create rules based on amount, issuer country, payment method, or risk profile. No code, no engineering tickets.
Works independently of the PSP
3DS is executed only once and applies regardless of which PSP processes it. It does not matter where the transaction ends up in the fallback: it is not re-authenticated at each step, nor does each processor enforce its own.
Measure the impact by segment
Authentication rates, completed challenges, and declines by market, method, and issuer, all from the same dashboard.
MEASURABLE IMPACT
What changes when
agnostic 3DS works in your favor
+80%
authenticated transactions without the user noticing
+8%
improvement in approval rate by the issuer
-75%
reduction in fraud in authenticated transactions
Strategies
Choose how to apply 3DS to your business
There is no single strategy. You configure the one that best fits your context and you can change it whenever you want, without touching any code.
COMPLIANCE
Always authenticated, for operations in regulated markets
Guaranteed compliance in all your markets. Authentication in every transaction, without exceptions.
3DS
Without 3DS
54
Adaptive risk
Only when risk demands it, for teams that want granular control
Dynamic 3DS based on your rules. The challenge appears only when the transaction justifies it.
Success rate
93.2%
Optimization
Maximum conversion, to optimize checkout without sacrificing security
Smart exemptions where risk is low. Minimize friction without compromising security.
