Rialto

3DS

Meet PSD2 and Strong Customer Authentication requirements without sacrificing conversion. Our 3-D Secure implementation authenticates cardholders in real time, reducing fraud and chargebacks while keeping checkout friction low.

EMV 3DS 2.x support

Full support for the latest 3-D Secure specification, including risk-based frictionless flows.

Regulatory compliance

Built to meet PSD2 SCA requirements and card network authentication mandates across regions.

Adaptive risk scoring

Route low-risk transactions through frictionless authentication, reserving challenge flows for higher-risk cases.

Fraud & chargeback reduction

Shift liability and cut fraud losses with authenticated transactions backed by network protections.

How it works

  1. 1

    A transaction triggers the 3DS authentication flow at checkout.

  2. 2

    Risk signals are evaluated to determine frictionless or challenge authentication.

  3. 3

    The cardholder is authenticated where required, and the result is passed back to the merchant.

  4. 4

    Authenticated transactions proceed to authorization with liability protection.

Ready to launch your card program?

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