Protect · Authentication (3DS/SCA)
Challenge only when it's needed
3D Secure that requests exemptions where the rules allow and challenges only risky orders, so compliance doesn't cost you conversion.
Why it matters
Fewer challenges
Exemptions are requested automatically where eligible.
Liability shift
Authenticated payments shift fraud liability to the issuer.
Regulation handled
SCA rules are applied per market for you.
What's inside
Exemptions
- Low-value and low-risk exemptions
- Trusted beneficiary handling
- Merchant-initiated transactions
How it works
- 1
Assess
Fraud Shield scores the order.
- 2
Request exemption
Low-risk orders ask the issuer for a frictionless flow.
- 3
Challenge if needed
The shopper confirms in their banking app.
- 4
Authorize
The authenticated payment goes to authorization.
Try it
Frictionless or challenged?
Compare what the shopper sees when the issuer accepts an exemption with what happens when it asks for a challenge.
- 1Shopper taps Pay
- 2Risk data sent to the issuer
- 3Issuer approves without a prompt
- Order confirmed
- Typical time to pay
- a few seconds
- Fraud liability
- Shifts to the issuer
Interactive demo with illustrative data.
curl https://api.international-orders.com/v1/orders \
-u $IO_SECRET_KEY: \
-H "Content-Type: application/json" \
-d '{
"amount": 12900,
"currency": "EUR",
"settlement_currency": "USD",
"shipping": { "country": "DE" },
"items": [{ "name": "Wool scarf", "hs_code": "6117.10", "quantity": 1, "unit_amount": 12900 }]
}'Customer story
Halcyon Stays
−22%
3DS challenge rate · Illustrative
Fewer challenges at checkout, same fraud rate. Guests just finish booking.
Inès Marchand, Director of Digital Read the story: Halcyon Stays
Questions about Authentication (3DS/SCA)
Put Authentication (3DS/SCA) to work
Test it in the sandbox today, or talk to us about your markets.