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Secure Global Payments with 3DS2 Smart Flexible Routing
Flexible Authentication with Advanced 3DS
In today’s world where digital commerce demands a seamless payment experience whilst retaining the highest levels of security, 3DS2 ensures secure, frictionless payments. We deliver a flexible 3DS2 solution with dynamic risk-based authentication, and mobile-first design, using intelligent routing with SCA and compliance needs.
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3DS1 to 3DS2.3: How Payment Security Has
The evolution of 3D Secure (3DS) has completely changed. Earlier, 3DS1 relied on one-time passwords (OTP), which mostly made the checkout experience poor, frustrating and restricted conversion. Now, 3DS2.3 delivers a secure, more innovative, smoother, and frictionless checkout experience. This shift improved security and improved the customer checkout experience with a mobile-first design multi-authentication route which reduced authentication on recurring payments.
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3DS 1.0
3DS 2.0
3DS 2.1
3DS 2.2
3DS 2.3
- MPI Flow
- Mandatory OTP
verification - Desktop Based
- Non – Equal checks
- Non Compliance
- Come with SCA.
- Frictionless &
Biometric
authentication. - Mobile based.
- Issuer base
exemption. - 10x more data
exchanged.
- MasterCard(TRA).
- Low value
exemption. - Secure corporate
exemption(Visa). - Trusted Beneficial.
Non Compliance
–>
- Decoupled Authentication.
- 150 data elements.
- Delegate authentication.
- Enhance mobile
compatibility.
Non Compliance
–>
- Additional authentication
approach. - streamlined customer
authentication. - Control on token data
& recurring payments. - Out of band
transaction
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3D Secure (3DS) revolutionised online payment security with an added authentication layer. Its latest version, 3DS2, improves on this with a frictionless experience, mobile optimisation, and compliance with modern SCA regulations, ensuring secure, seamless transactions.
3DS 1.0
Launch in 1999
-
MPI Flow.
-
Mandatory OTP verification.
-
Desktop based.
-
Non-equal Checks.
-
Non compliance.
3DS 2.0
Launch in 2021
-
Come with sCA.
-
Frictionless & Biometric authentication.
-
Mobile based.
-
Issuer base exemption.
-
10x more data exchanged.
3DS 2.1
Launch in 2021
-
MasterCard(TRA).
-
Low value exemption.
-
Secure corporate exemption(Visa).
-
Trusted Beneficial.
3DS 2.2
Launch in 2022
-
Decupled Authentication.
-
150 data elements.
-
Delegate authentication.
-
Enhance mobile compatibility.
3DS 2.3
Launch in 2023
-
Additional authentication approach.
-
streamlined customer authentication.
-
Control on token data & recurring payments.
-
Out of band transaction
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3DS2 ensures SCA compliance.
Two authentication steps required.
Enhances payment security.
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One Integration . more opportunities . One Integration . more opportunities .
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3DS: Smart, Adaptive Authentication for Secure
Flexible 3DS allows merchants to influence when and how 3DS should be applied. When required, flexible 3DS supports both 3DS1 and 3DS2 protocols, dynamically adapting security measures to match real-time transaction risks. This allows merchants to customise fraud prevention strategies while maintaining SCA Compliance and delivering customers a frictionless checkout and shopping experience.
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Intelligent Payment Authentication
With risk-based authentication, Flexible 3DS automatically adjusts verification steps based on transaction risk level by analysing 150+ data points. This ensures strong protection against fraud while maintaining a hassle-free customer journey, reducing cart abandonment, and increasing checkout by 35% with a seamless payment experience.
-
Compliance Ready.
-
Risk-Based Authentication.
-
Transaction Optimisation.
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Intelligent Authentication or Smart validation
Flexible 3DS utilizes smart validation by evaluating transactions across a range of factors, including transaction amount, customer purchase history, location data, and payment method. This approach ensures a more secure and tailored transaction experience.
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SCA Compliance : Streamline compliance with Strong Customer Authentication (SCA) regulation by adaptive protocols that align with regional requirements.
Real-Time Risk-Based Authentication : This feature reduces the friction of low-risk transactions and escalates security for high-risk payment fraud scenarios, ensuring safety while maintaining user experience.
Scalable Transaction Management : Handle high-volume and high-risk payments effortlessly with our platform built for scalability while maintaining security and seamless user experience.
Frictionless User Experience : Build rules with flexible 3DS for seamless authentication, minimise errors, and streamline checkout.
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Security
Automated Reconciliation speeds up and simplifies the verification process, ensuring all transactions are accurately matched and displayed on the reconciliation dashboard.
[/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ module_class=”celeris-pt-4 celeris-pb- flex-section-4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”gcid-601b2cb3-c8a5-4810-9ac2-2a362c47f7c1″ global_colors_info=”{%22gcid-601b2cb3-c8a5-4810-9ac2-2a362c47f7c1%22:%91%22background_color%22%93}”][et_pb_row disabled_on=”on|on|off” module_class=”celeris-container pp-tab-parent-wrapper celeris-row-2″ _builder_version=”4.27.4″ _module_preset=”default” background_enable_color=”off” custom_margin=”25px||||false|false” locked=”off” global_colors_info=”{%22gcid-a497ccf9-7eaf-44c7-92e2-d5b36bd4eec3%22:%91%22background_color%22%93}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][dsm_advanced_tabs dsm_content_animation=”fadeIn” dsm_inner_content_animation=”fadeIn” dsm_content_padding=”0px|0px|0px|0px|true|true” dsm_tabs_wrapper_width=”100%” dsm_tabs_wrapper_alignment=”left” disabled_on=”off|off|off” module_class=”pp-tab-wrapper” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][dsm_advanced_tabs_child module_class=”pp-tab-inner-wrapper” dsm_title=”External 3DS” dsm_content=”
External 3D Secure strengthens transaction security by authenticating cardholders during online payments, creating redundancy, reducing fraud risks, and ensuring compliance with industry standards.
Secures cardholder transactions.
Enables risk-based authentication.
Adapts to evolving fraud detection.
” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_advanced_tabs_0″][/dsm_advanced_tabs_child][dsm_advanced_tabs_child module_class=”pp-tab-inner-wrapper” dsm_title=”Card Verification” dsm_content=”
Card verification authenticates cardholder information, ensuring the validity of payment credentials, minimising fraud risks, and maintaining transaction integrity for secure financial processing.
Confirms card details authenticity.
Enhances merchant reliability.
Reduces chargeback disputes.
” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_advanced_tabs_0″][/dsm_advanced_tabs_child][dsm_advanced_tabs_child module_class=”pp-tab-inner-wrapper gc_video” dsm_title=”Global Customers” dsm_content=”
A global customer embodies a diverse consumer base engaging in cross-border transactions, necessitating seamless currency management and adherence to international financial regulations.
Boosts growth in emerging markets.
Relies on secure data transfers.
Requires localised payment options.
” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_advanced_tabs_0″][/dsm_advanced_tabs_child][/dsm_advanced_tabs][/et_pb_column][/et_pb_row][et_pb_row disabled_on=”off|off|on” module_class=”celeris-container pp-tab-parent-wrapper celeris-row-3″ _builder_version=”4.27.4″ _module_preset=”default” background_enable_color=”off” custom_margin=”25px||||false|false” locked=”off” global_colors_info=”{%22gcid-a497ccf9-7eaf-44c7-92e2-d5b36bd4eec3%22:%91%22background_color%22%93}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][dsm_advanced_tabs dsm_content_animation=”fadeIn” dsm_inner_content_animation=”fadeIn” dsm_tabs_wrapper_width=”100%” dsm_tabs_wrapper_alignment=”left” disabled_on=”off|off|off” module_class=”pp-tab-mobile-wrapper” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][dsm_advanced_tabs_child module_class=”pp-tab-inner-wrapper” dsm_title=”External 3DS” dsm_content=”
Card verification authenticates cardholder information, ensuring the validity of payment credentials, minimising fraud risks, and maintaining transaction integrity for secure financial processing.
Confirms card details authenticity.
Enhances merchant reliability.
Reduces chargeback disputes.
” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_advanced_tabs_1″][/dsm_advanced_tabs_child][dsm_advanced_tabs_child module_class=”pp-tab-inner-wrapper” dsm_title=”Card Verification” dsm_content=”
Card verification authenticates cardholder information, ensuring the validity of payment credentials, minimising fraud risks, and maintaining transaction integrity for secure financial processing.
Confirms card details authenticity.
Enhances merchant reliability.
Reduces chargeback disputes.
” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_advanced_tabs_1″][/dsm_advanced_tabs_child][dsm_advanced_tabs_child module_class=”pp-tab-inner-wrapper gc_video” dsm_title=”Global Customers” dsm_content=”
A global customer embodies a diverse consumer base engaging in cross-border transactions, necessitating seamless currency management and adherence to international financial regulations.
Boosts growth in emerging markets.
Relies on secure data transfers.
Requires localized payment options.
” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_advanced_tabs_1″][/dsm_advanced_tabs_child][/dsm_advanced_tabs][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ module_class=”flex-section-5 celeris-section celeris-pt-8 celeris-pb-0″ _builder_version=”4.27.5″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_row module_class=”celeris-container cele-display-flex celeris-row-1″ _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||19px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_code _builder_version=”4.27.5″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]
With 3DS routing, merchants can customise their payment authentication strategies by selecting the most suitable options, such as 3DS2, 3DS1, or bypassing 3DS, based on each transaction’s unique requirements. This smart approach streamlines the payment process by evaluating the exemptions and key factors, ensuring the right balance between security and a seamless payment experience.
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No 3DS
For low-risk or recurring payments, merchants can skip 3DS entirely, ensuring a frictionless checkout without compromising security.
3DS 1
Businesses using 3DS1 benefit from authentication but face friction during checkout, leading to poor customer experiences and higher cart abandonment.
3DS 2
3DS2, a more advanced protocol, leverages 150+ data points to deliver a seamless, secure authentication process, ideal for high-risk and high-volume transactions.
LVE
The Low-Value Exemption (LVE) applies to transactions between €30 and €100, allowing a liability shift without extra authentication, maintaining a smooth checkout process.
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Tailored Authentication Options
Merchants can customise their approach by selecting 3DS1, 3DS2, or bypassing 3DS altogether, optimising the user experience based on transaction risk.
Enhanced Customer Confidence
A robust authentication strategy builds trust and confidence, encouraging customer loyalty and driving repeat business.
Optimised Operational Efficiency
Automating the routing process simplifies transaction management, minimises manual intervention, and accelerates the checkout experience.
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Testimonial
Videos
We have always recommended Celeris to our merchants with full confidence in their capabilities to provide a great product combined with good service. With solid attention for ongoing product development, compliance releases and new 3rd party integrations, Celeris is widely regarded as one of the top-performing orchestration platforms in the online payment industry. We look forward to a long and successful partnership with Celeris.
class=”celeris-img” />
David van der Plicht
CEO of eFlow
Celeris’ gateway solutions are an excellent addition to our merchant services offerings. “We pride ourselves on providing exceptional payment solutions and services to our clients, and the Celeris platform as part of our offering will help us.
Rabia Ebrahim
Chief Operations Officer at Truevo
We are delighted to partner with Celeris and incorporate our solution into the orchestration platform’s ecosystem. This collaboration is about empowering businesses to address the French and European markets efficiently by providing a seamless localised payment experience.
Antoine Grimaud
CEO of Payplug
Our fully network-certified and proven products secure transactions worldwide. We increase that footprint and ensure together with Celeris that merchants can generate more approved transactions complementing their modern and modular platform.
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Benoit Ouinas
Senior Business Development Executive and Location Director France at Netcetera
Partnering with Celeris, whose state-of-the-art product and innovative DNA align with ours, ensures top-notch conversion-boosting features and insightful payment performance analytics for our merchants.
Darius Kulikauskas
Darius Kulikauskas CEO at Pervesk | Partner at Bankera
Our collaboration with Celeris underscores our dedication to enriching businesses’ online payment capabilities. Through this partnership, we aim to equip our merchants with the means to refine processes, encompass fraud management and contribute to their sustained growth.
Luca Bizzotto
CEO of Alto Global Processing
[/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ module_class=”comparsion d-none” _builder_version=”4.26.1″ _module_preset=”default” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ module_class=”celeris-container d-flex align-items-center” _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”
What is 3DS2
” module_class=”heading-3″ _builder_version=”4.25.1″ _module_preset=”default” title_level=”h2″ locked=”off” global_colors_info=”{}”][/et_pb_heading][et_pb_text module_class=”text-container” _builder_version=”4.25.1″ _module_preset=”default” locked=”off” global_colors_info=”{}”]3DS2 is the way to comply with the SCA regulations. This requires merchants to build additional authentication into their payment flow, using two out of the following three authentication elements:[/et_pb_text][/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_code _builder_version=”4.25.1″ _module_preset=”default” module_alignment=”center” locked=”off” global_colors_info=”{}”]
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Features
3DS1
3DS2
Introduce
In 1961
In 2016
Authentication Method
Static password
Dynamic (biometrics, OTP, risk-based)
User Interface
Pop-up/redirect
Seamless integration
Data Sharing
Limited
Enhanced (more data points)
Risk Assessment
Basic, same method for all
Real-time, risk-based
Device Compatibility
Desktop-focused
Mobile-optimized
User Experience
Higher friction, more disruptions
Reduced friction, smoother process
Support for Multiple Devices
Limited
Extensive
Flexibility
Rigid
Adaptive and flexible
transaction Success Rate
Lower due to user friction
Higher due to improved UX
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Improve success rates[/et_pb_text][/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.0″ _module_preset=”default” text_font=”Poppins|500|||||||” text_font_size=”16px” locked=”off” global_colors_info=”{}”]
Acquirer independent[/et_pb_text][/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.0″ _module_preset=”default” text_font=”Poppins|500|||||||” text_font_size=”16px” locked=”off” global_colors_info=”{}”]
Lower transaction costs [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ module_class=”about-section-7 ds-related-post flex-section-6 celeris-section celeris-pt-8 celeris-pb-8″ _builder_version=”4.27.5″ _module_preset=”default” hover_enabled=”0″ locked=”off” collapsed=”on” global_colors_info=”{}” sticky_enabled=”0″][et_pb_row module_class=”celeris-container celeris-row-1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_code _builder_version=”4.27.5″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]
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Explore and download our thoughtfully curated brand assets, crafted to embody the core of our identity and values.
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Asked
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What is Flexible 3DS?
Flexible 3DS empowers merchants to tailor 3D Secure authentication, deciding when and how it is applied to transactions, achieving the perfect balance between security and user experience.
How does Flexible 3DS improve transaction approval rates?
Flexible 3DS enhances transaction approval rates by selectively applying 3DS based on risk, minimising friction for trusted users and reducing cart abandonment.
Can I choose which transactions use 3DS?
Yes, merchants can configure rules to apply 3DS based on transaction value, customer history, or other risk factors.
Does Flexible 3DS work with all card types?
Yes, Flexible 3DS supports all major card types and networks, ensuring seamless authentication across multiple payment methods.
How does Flexible 3DS enhance the customer experience?
By applying 3DS only when necessary, it reduces unnecessary authentication steps for low-risk transactions, offering a smoother and faster checkout experience.
What’s the difference between the 3DS Liability shift and 3DS2 Liability shift?
The 3DS Liability shift (3D Secure 0.1) and 3DS2 Liability shift (3D Secure 2.0) both work the same way to transfer the fraud liability from merchants to card issuer if authentication is completed.
However, 3DS2 is better than 3DS1. How? 3DS2 offers broader protection because it supports more transaction types like (in-app payments). With 3DS2, the liability shift applies even for frictionless payments and provides a smooth checkout experience to every customer while maintaining all the security standards which makes 3DS2 more versatile than 3DS1 and prevents merchants from chargebacks.
What is the 3DS not authenticated issue?
A 3DS not authenticated label means the customer skipped or failed the verification like he/she didn’t submit an OTP or complete a Biometric check. In this case, merchants are liable for fraud. To reduce the risk, merchants can use the 3DS flex to nudge customers towards completing authentication and you can also analyse patterns (like repeat offenders) with 3RI (3D Secure Risk Indicators) to adjust your fraud strategy based on data.
How does a 3DS2-hosted solution work, and what are its benefits?
A In simple words, a 3DS2-hosted solution like (Celeris) will take care of the complexity of Strong Customer Authentication (SCA) on the merchant’s behalf. We ensure compliance with regulations like PSD2 while reducing integration work for you, Celeris 3DS2 automates the 3DS2 flow (Like sending risk data to the issuer) and we also support exemption, making it easier to balance security and customer experience.
What are 3DS Flex and 3RI, and how does this help in managing the 3DS2 challenge?
A The 3DS flow is a step-by-step authentication process and 3DS Flex is the tool that helps merchants to customise how and when to trigger 3DS2 Flow. Paired with 3RI (3D Secure Risk Indicators) it helps merchants to analyse risk factors like (Device data or purchase history) and decide if a challenge is needed. This flexibility helps reduce checkout friction for low-risk transactions while maintaining security for high-risk ones.
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Flexible 3DS empowers merchants to tailor 3D Secure authentication, deciding when and how it is applied to transactions, achieving the perfect balance between security and user experience.
[/et_pb_accordion_item][et_pb_accordion_item title=”How does Flexible 3DS improve transaction approval rates?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]
Flexible 3DS enhances transaction approval rates by selectively applying 3DS based on risk, minimising friction for trusted users and reducing cart abandonment.
[/et_pb_accordion_item][et_pb_accordion_item title=”Can I choose which transactions use 3DS?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]
Yes, merchants can configure rules to apply 3DS based on transaction value, customer history, or other risk factors.
[/et_pb_accordion_item][et_pb_accordion_item title=”Does Flexible 3DS work with all card types?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]
Yes, Flexible 3DS supports all major card types and networks, ensuring seamless authentication across multiple payment methods.
[/et_pb_accordion_item][et_pb_accordion_item title=”How does Flexible 3DS enhance the customer experience?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]
By applying 3DS only when necessary, it reduces unnecessary authentication steps for low-risk transactions, offering a smoother and faster checkout experience.
[/et_pb_accordion_item][et_pb_accordion_item title=”What’s the difference between the 3DS Liability shift and 3DS2 Liability shift?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]
The 3DS Liability shift (3D Secure 0.1) and 3DS2 Liability shift (3D Secure 2.0) both work the same way to transfer the fraud liability from merchants to card issuer if authentication is completed.
However, 3DS2 is better than 3DS1. How? 3DS2 offers broader protection because it supports more transaction types like (in-app payments). With 3DS2, the liability shift applies even for frictionless payments and provides a smooth checkout experience to every customer while maintaining all the security standards which makes 3DS2 more versatile than 3DS1 and prevents merchants from chargebacks.
[/et_pb_accordion_item][et_pb_accordion_item title=”What is the 3DS not authenticated issue?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]
A 3DS not authenticated label means the customer skipped or failed the verification like he/she didn’t submit an OTP or complete a Biometric check. In this case, merchants are liable for fraud. To reduce the risk, merchants can use the 3DS flex to nudge customers towards completing authentication and you can also analyse patterns (like repeat offenders) with 3RI (3D Secure Risk Indicators) to adjust your fraud strategy based on data.
[/et_pb_accordion_item][et_pb_accordion_item title=”How does a 3DS2-hosted solution work, and what are its benefits? ” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]
In simple words, a 3DS2-hosted solution like (Celeris) will take care of the complexity of Strong Customer Authentication (SCA) on the merchant’s behalf. We ensure compliance with regulations like PSD2 while reducing integration work for you, Celeris 3DS2 automates the 3DS2 flow (Like sending risk data to the issuer) and we also support exemption, making it easier to balance security and customer experience.
[/et_pb_accordion_item][et_pb_accordion_item title=”What are 3DS Flex and 3RI, and how does this help in managing the 3DS2 challenge?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]
The 3DS flow is a step-by-step authentication process and 3DS Flex is the tool that helps merchants to customise how and when to trigger 3DS2 Flow. Paired with 3RI (3D Secure Risk Indicators) it helps merchants to analyse risk factors like (Device data or purchase history) and decide if a challenge is needed. This flexibility helps reduce checkout friction for low-risk transactions while maintaining security for high-risk ones.
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