At Finera, all transactions are securely authenticated to ensure the safety and integrity of the payment process. We offer both Standard 3DS and Frictionless 3DS options, depending on the level of risk associated with each transaction.
Standard 3DS: This method requires users to enter an additional layer of authentication, such as a password or a one-time code sent via SMS, to verify their identity when making a payment. It is designed to provide stronger security, particularly for higher-risk transactions.
Frictionless 3DS: For low-risk transactions, the 3DS authentication process can be bypassed, offering a smoother and more seamless customer experience. This frictionless flow is determined by the issuing bank, which evaluates factors such as the customer's transaction history, frequency of deposits, and the bank’s own risk policies. If the bank deems the transaction as low-risk, they may allow the payment to proceed without requiring additional authentication steps.
Ultimately, the decision to apply frictionless 3DS or Standard 3DS lies with the issuing bank. By offering both options, Finera ensures secure and efficient transaction processing, balancing security with user convenience.