04 · Accept
Authentication that clears, not stalls.
Frictionless 3-D Secure 2 that authenticates at the issuing bank and protects conversion, sending the cardholder data the issuer needs to approve without a challenge.
Step up the few payments that warrant it, let the rest pass silently, and move chargeback liability to the issuer on every authenticated transaction.
What it does
3DS2 frictionless
Rich device and order data is shared with the issuer so most authentications resolve in the background without a challenge screen.
Risk-based step-up
Only payments the issuer flags as risky trigger a challenge, keeping friction off the carts that don't need it.
Exemption requests
Low-value and transaction-risk exemptions are requested automatically so eligible payments skip authentication entirely.
Liability shift
Successfully authenticated payments move fraud chargeback liability from you to the card issuer.
SCA where it applies
Strong Customer Authentication is handled for European cards without you tracking which rule fires when.
Issuer-side approval
Authentication runs at the cardholder's bank, lifting approval rates at the point that actually decides the payment.
How it works
- 01
Send the payment
Pass the payment through the gateway with authentication enabled; we collect the device and browser data the issuer requires.
- 02
Authenticate at the bank
We request an exemption or a frictionless flow first, and present a challenge only when the issuer asks for one.
- 03
Capture with liability shifted
The authenticated payment is authorised and captured, with the fraud chargeback liability now resting with the issuer.
Request frictionless 3-D Secure 2 with an automatic exemption attempt.
POST /v1/payments
{
"amount": 4200,
"currency": "EUR",
"method": "card",
"authentication": { "three_ds": "preferred", "request_exemption": true }
}By the numbers
Works with
- Payment GatewayOne integration that accepts cards, wallets and local payment methods, with the request, the redirect and the webhook all shaped the same way no matter how your customer chooses to pay.↗
- Payment ProcessingSmart routing, automatic retries and failover, built into the rails. When one path declines or stalls, the processor chooses another and tries again, without you writing a line of logic.↗
- Anti-Fraud SystemAdaptive machine learning scores every transaction in milliseconds, weighing hundreds of signals before the authorisation ever reaches the issuer.↗
Ready to authenticate without friction?
Start in test mode today, or talk to an engineer who knows your traffic.
Get started