3DS Frictionless Card Transactions

Introduction

3DS authentication is typically recommended for transactions as it provides an extra security layer, enabling issuing banks to verify the cardholder’s identity. As this process involves an extra step on authentication, potentially slowing down the checkout process.

To improve the customer experience and provide seamless and faster payment process, merchants may choose 3DS Frictionless transactions(skip 3DS authentication). For 3DS Frictionless transactions, issuing bank takes the risk and assess the risk(low risk/high risk) before determining the need for user input on OTP authentication. For low-risk transactions, the bank bypasses OTP authentication, enabling a seamless checkout process while maintaining security.

Transaction Flow:

Advantages:

• Enhanced User Experience: Streamlines the checkout process by eliminating OTP authentication for low-risk transactions, reducing customer friction.

• Faster Payments: Accelerates transaction completion, improving overall payment speed and convenience.

• Higher Success Rates: Minimizes drop-offs due to authentication failures or delays, increasing transaction success rates.

• Risk-Based Assessment: Relies on the issuing bank's robust risk evaluation, ensuring security without unnecessary user intervention.

• Reduced Abandonment: Encourages customers to complete purchases, especially in mobile or quick checkout scenarios.

Integration Enablement:

New Card Transaction Flow

1. Call “Card Info” API -Get Card details using card bin. You can also use this API to check if a card is eligible for Mandate/Subscription payments.

2. Call “Card transaction” API - Call this API using Card details and cvv provided by the customer to initiate a card transaction

Saved Card Transaction Flow

1. Call “List Card” API - List all the cards stored for a customer. This API gives back only card tokens and other metadata relevant to the cards stored against the customer.

2. Call “Card transaction” API -Call this API using card token and cvv provided by the customer to initiate a card transaction