Implement frictionless flow

Overview

The 3DS frictionless flow authenticates the end user without a challenge when the transaction is assessed as low risk based on your configured risk rules. This preserves a seamless checkout while remaining compliant with EMV 3‑D Secure (3DS).

To enable frictionless outcomes, configure your thresholds and conditions in Configure rulesets for 3DS decisioning.

User experience

End user experience for a frictionless 3DS authentication (no challenge presented).

Flow

High‑level frictionless flow from the merchant’s 3DS request to Issuer Backend notification.

Sequence diagram

Prerequisites

• Card products are configured in the D1 backend and in the payment network directory server.

• The end user and card are registered in the D1 backend.

End‑to‑end message sequence for 3DS frictionless authentication.

At the end of the flow, the issuer backend is informed about the authentication details via the Notify 3DS Card Operation endpoint.