Frictionless flow
Auth & security
A 3DS 2.0 authentication flow where the issuer authenticates the cardholder silently using device, behavioural, and transaction signals, without requiring the cardholder to enter a code or pass a biometric challenge. Available for low-risk transactions and SCA-exempt categories under PSD2.
In practice.
The frictionless flow is why modern 3DS no longer kills conversion: the issuer authenticates in the background from device and transaction data, and the customer sees nothing. Rich data submission is what earns frictionless treatment, so gateway integration quality directly shapes how often your customers face a challenge.
Auth & security