Applies 3-D Secure friction only when risk requires it; low-risk transactions pass smoothly while suspicious ones are escalated to step-up.
What you get
Risk-based step-up
3DS is enforced only when risk signals cross the threshold.
Flow preserved at low risk
Transactions that look safe are approved without needless verification.
Rule-driven control
The force-3DS decision is tuned per merchant with a flexible rule engine.
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