3DS sem fricção
Otimize a sua estratégia 3D Secure para minimizar o atrito com o cliente, mantendo altas taxas de autorização.
A solução 3DS sem fricção da Cardflo aplica a autenticação de forma inteligente apenas quando necessário, equilibrando os requisitos de segurança com uma experiência do cliente sem interrupções. Esta abordagem ajuda a reduzir as taxas de abandono.
- Categoria
- Segurança
- Funcionalidades
- 10
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- Todos os planos
A visão geral
Frictionless 3D Secure represents an authentication path within the EMV 3-D Secure protocol that allows a transaction to proceed without active cardholder interaction.
In this specific workflow, the merchant's 3DS Server transmits a comprehensive data payload to the Access Control Server (ACS) managed by the issuer. This data often include device fingerprinting, IP address details, and shipping history.
If the issuer deems the risk profile acceptable based on this evidentiary data, the transaction is granted a frictionless status, bypassing the need for a one-time password or biometric prompt.
This mechanism sits between the checkout and the authorisation request in the payments stack, functioning as a primary tool for compliance with Strong Customer Authentication (SCA) under PSD2.
By prioritising frictionless flows, merchants aim to reduce the likelihood of cart abandonment caused by customer drop-off during the challenge phase while maintaining the shift in liability for fraud-related disputes.
Como funciona
Data Transmission and Analysis
The merchant gateway collects and sends over 150 data elements to the issuer via the 3DS directory server.
This enriched packet includes billing address, account age, and browser settings, allowing the issuer to perform a thorough risk assessment of the transaction attempt before deciding whether to demand further proof of identity.
Risk Based Authentication Decision
The issuer Access Control Server (ACS) evaluates the risk profile in real-time. If the data elements align with the cardholder's historical behaviour and device profile, the issuer returns a transStatus of 'Y' or 'A', signifying a successful frictionless result.
This allows the payment process to continue without user interruption.
Mandatory Challenge Fallback
If the risk assessment triggers specific internal thresholds or if the transaction falls under a high-risk category without an applicable exemption, the issuer initiates a challenge.
The cardholder must then complete a stepped-up authentication process, such as a biometric scan or a code received via an banking application.
Authorisation and Liability Shift
Once the frictionless authentication is successful, the merchant proceeds to request authorisation from the acquirer.
Even without a manual challenge, the merchant typically receives a liability shift, meaning the issuer bears the cost of certain fraudulent chargebacks, provided the 3DS2 requirements for the specific jurisdiction and scheme are satisfied.
Por que importa
Conversion Rate Preservation
Every additional step in the checkout sequence increases the probability of basket abandonment. By utilising frictionless paths for the majority of low-risk transactions, businesses can satisfy regulatory requirements like SCA without introducing unnecessary barriers.
This balance is critical for digital goods and subscription services where a high-friction experience leads to immediate customer churn and lost lifetime value.
Fraud Liability Management
Frictionless 3DS enables businesses to transfer the financial responsibility for fraudulent disputes to the issuer while maintaining a swift checkout experience. Unlike 3DS1 which often required a challenge for every transaction, the 3DS2 protocol permits this liability shift through passive data exchange.
This protects the merchant’s bottom line from unauthorised transaction claims without damaging the user journey.
Casos de uso
Subscription-Based Services
For recurring billing and Merchant Initiated Transactions (MIT), initial frictionless 3DS setup ensures subsequent payments are processed with the correct indicators, reducing dunning issues and decline rates across the billing cycle.
Low-Value Retail Transactions
E-commerce retailers processing frequent, small-ticket items can apply SCA exemptions for transactions under thirty Euros, using frictionless flows to maintain speed while satisfying the relevant European regulatory frameworks.
High-Frequency Digital Platforms
Gaming or streaming platforms benefit from frictionless flows by recognising trusted devices and returning users, minimising payment friction for enthusiasts who expect near-instant access to digital content after hitting the pay button.
Em números
Typical frictionless rates observed in mature 3DS2 markets where high-quality data is shared between merchants and issuers, though this varies by industry and region.
Industry research suggests a significant decrease in drop-off when moving from mandatory 3DS1 challenges to optimised frictionless 3DS2 flows for low-risk transactions.
The speed at which a frictionless 3DS response is typically returned by the directory server, compared to much longer durations for manual challenge interactions.
Termos relacionados
Talk to our team about a live rollout on your acquiring stack.
O que obtém com 3DS sem fricção
- Aplicação 3DS dinâmica com base no risco da transação e nos requisitos do emissor
- Motor de regras configurável para ajuste fino dos limites de autenticação
- Suporte para 3DS2 e fallback para 3DS1 quando necessário
- Redução do abandono do carrinho devido a menos etapas de autenticação
- Melhora das taxas de autorização ao cumprir os mandatos regulamentares
- Análises em tempo real sobre o desempenho 3DS e as taxas de desafio
- Comprehensive logging of the 3DS Server Transaction ID (dsTransID) for dispute resolution and auditing.
- Reduced latency in the authentication phase through direct connectivity with scheme directory servers.
- Detailed reporting on challenge rates and frictionless success percentages by issuer and BIN.
- Compliance with PSD2 and upcoming PSD3 mandates through standardised authentication data fields.
A short scoping call, then a written plan for your MIDs.
Perguntas sobre 3DS sem fricção
O que é 3DS sem fricção?
3DS sem fricção refere-se a processos de autenticação 3D Secure onde o cliente não é desafiado a introduzir uma palavra-passe ou código.
O motor de decisão avalia o risco da transação em segundo plano, permitindo que a maioria das transações prossiga sem interação do cliente, melhorando a conversão.
Como a 3DS sem fricção melhora a conversão?
Ao remover etapas desnecessárias no processo de checkout, a 3DS sem fricção reduz as hipóteses de os clientes abandonarem a sua compra.
Os clientes experimentam um fluxo de transação mais suave, levando a taxas de conclusão mais altas em comparação com os desafios 3D Secure tradicionais.
A 3DS sem fricção está em conformidade com a PSD2?
Sim, a 3DS sem fricção está em conformidade com os requisitos de Autenticação Forte do Cliente (SCA) da PSD2.
Ela utiliza a análise baseada em risco para determinar quando uma transação pode ser isenta de um desafio explícito ao cliente, ao mesmo tempo que oferece os protocolos de segurança necessários.
What data elements help increase the chances of a frictionless result?
Issuers look for consistency and low-risk signals. Key elements include the cardholder's email address, billing and shipping address match, historical transaction frequency, and device information.
Including the 'prior authentication' data for returning customers can also increase the likelihood of a frictionless outcome.
The more valid data the merchant provides to the issuer's ACS, the higher the accuracy of the risk assessment, which generally leads to a higher proportion of frictionless responses from the issuer.
Can a merchant force a frictionless flow for all transactions?
A merchant can request a frictionless flow or suggest an exemption, but the final decision rests with the issuer's Access Control Server.
If an issuer determines that a transaction is too risky or if a regulator mandates a challenge for a specific transaction type, they will ignore the merchant's preference and initiate a challenge.
Merchants should use an intelligent strategy to request exemptions only when appropriate to avoid high decline rates or 'soft-declines' that require a 3DS retry.
Why do some frictionless 3DS attempts still result in a payment decline?
3DS is an authentication step, not an authorisation step. A successful frictionless 3DS result only confirms the identity of the cardholder or the validity of the data.
The subsequent authorisation request might still be declined by the issuer for reasons such as insufficient funds, expired card status, or suspected fraud unrelated to the 3DS process itself.
Successful authentication is a prerequisite for a liability shift, but it never guarantees that the financial transaction will be authorised and settled.
Funcionalidades relacionadas.
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