Why It Matters
- Reduce unnecessary customer friction
- Protect high-risk transactions
- Improve approval rates
- Maintain PSD2/SCA compliance
Force. Allow. Skip.
Smart 3DS Rules
Create prioritised rules based on transaction conditions and define exactly how authentication should be handled.
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Frictionless or Challenge (Default)
The issuer determines whether a challenge is required.
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Force Challenge
Always require strong customer authentication.
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Frictionless
Prioritise seamless authentication.
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Skip 3DS
Bypass 3D Secure for selected transactions.
Rules are evaluated before routing, ensuring consistent behaviour across all processors.
Advanced 3DS Settings
UpGate provides global controls designed to enhance performance without compromising security.
Retry Without 3DS
If a 3DS attempt fails, the system can retry the transaction without 3DS for selected markets.
Recover soft declines and increase approval rates.
Low-Value Exemption
Low-risk transactions below a defined threshold can be treated as frictionless automatically.
Maximise conversion for small-value payments while maintaining regulatory alignment.
Automatic Challenge Fallback
If frictionless authentication is attempted but the issuer requires additional verification, the system seamlessly escalates to a Challenge flow.
No broken payment journeys.
Orchestration-Level 3DS Control
Unlike processor-bound authentication tools, UpGate evaluates 3DS logic before routing the transaction.
- Unified authentication strategy across all acquirers
- Portability if you switch processors
- No fragmented 3DS logic across processors
- Consistent SCA handling
Your authentication strategy remains stable — regardless of routing decisions.
3DS Report
The 3DS Report provides clear visibility into how authentication impacts your business.
- Total 3DS transaction volume
- Successful authentication rate
- Challenge vs Frictionless ratios
- Verification attempt share
- Performance by country, processor or card scheme
Data can be analysed using counts, ratios, or both — merchants can also identify patterns in decline reasons where needed.
This lets merchants optimise their 3DS strategy, improve conversion rates, anticipate authentication-related costs, and detect issuer- or market-specific trends.
Why UpGate 3DS Is Different
Centralised Strategy
One unified 3DS logic across all processors.
Conversion Optimisation
Smart retries, low-value exemptions and fallback logic.
Risk Control
Force Challenge when stronger authentication is required.
Data Transparency
Full breakdown of authentication outcomes.
Portability
Your 3DS rules remain intact even if you change acquirers.
Tell us about your company
Get a custom setup designed for your business model and scale.