Verifi specializes in dispute management, aiding sellers in revenue retention and cost reduction from banks.
Secure Global Payments with 3DS2 Smart Flexible Routing
Our flexible 3DS routing solution ensures SCA compliance, reduces transaction friction, and provides real-time control over authentication. This optimises payment security and customer satisfaction by adapting to risk levels and regulatory requirements.
The evolution of 3D Secure (3DS) protocols reflects the growing need for enhanced security in online transactions due to the increasing number of fraud cases. This progression introduces more data points and reduces customer friction.
3DS 1.0
3DS 2.0
3DS 2.1
3DS 2.2
3DS 2.3
MPI Flow.
Mandatory OTP verification.
Desktop based.
Non-equal Checks.
Non compliance.
Come with sCA.
Frictionless & Biometric authentication.
Mobile based.
Issuer base exemption.
10x more data exchanged.
MasterCard(TRA).
Low value exemption.
Secure corporate exemption(Visa).
Trusted Beneficial.
Decupled Authentication.
150 data elements.
Delegate authentication.
Enhance mobile compatibility.
Additional authentication approach.
streamlined customer authentication.
Control on token data & recurring payments.
Out of band transaction
3DS2 ensures SCA compliance.
Two authentication steps required.
Enhances payment security.
One Integration . more opportunities . One Integration . more opportunities .
Flexible 3DS is a dynamic routing system that intelligently applies the right level of authentication for each transaction based on historical data and performance. It balances security requirements with a seamless customer experience and frictionless checkout experience.
Our system uses advanced rules to determine the optimal authentication path for every transaction, maximising approval rates while minimising customer friction.
Customise authentication rules based on transaction value
Set specific rules for different card types and issuing banks.
Adapt routing logic in real time to respond to changing risk levels.
Effortlessly meet Strong Customer Authentication (SCA) regulations without disrupting your customer journey.
Apply authentication selectively based on real-time risk analysis for smoother, more secure transactions.
Manage a high volume of transactions with a scalable system that maintains optimal performance and security.
Our platform offers a comprehensive suite of security features to protect your business and customers. We enable secure transactions worldwide through external 3DS providers, robust card verification methods, and tailored solutions for global customers.
External 3D Secure strengthens transaction security by authenticating cardholders during online payments, creating redundancy, reducing fraud risks, and ensuring compliance with industry standards.
Secures cardholder transactions.
Enables risk-based authentication.
Adapts to evolving fraud detection.
Card verification authenticates cardholder information, ensuring the validity of payment credentials, minimising fraud risks, and maintaining transaction integrity for secure financial processing.
Confirms card details authenticity.
Enhances merchant reliability.
Reduces chargeback disputes.
A global customer embodies a diverse consumer base engaging in cross-border transactions, necessitating seamless currency management and adherence to international financial regulations.
Boosts growth in emerging markets.
Relies on secure data transfers.
Requires localised payment options.
External 3D Secure strengthens transaction security by authenticating cardholders during online payments, creating redundancy, reducing fraud risks, and ensuring compliance with industry standards.
Secures cardholder transactions.
Enables risk-based authentication.
Adapts to evolving fraud detection.
Card verification authenticates cardholder information, ensuring the validity of payment credentials, minimising fraud risks, and maintaining transaction integrity for secure financial processing.
Confirms card details authenticity.
Enhances merchant reliability.
Reduces chargeback disputes.
A global customer embodies a diverse consumer base engaging in cross-border transactions, necessitating seamless currency management and adherence to international financial regulations.
Boosts growth in emerging markets.
Relies on secure data transfers.
Requires localized payment options.
3DS Routing helps merchants choose the right authentication route for each payment. By automatically selecting 3DS2, 3DS1, or bypassing 3DS, our systems ensure every transaction follows the optimal security path, balancing compliance, risk, and user experience.
Ideal for low-risk or recurring payments, providing instant checkout without compromising security.
Works with older systems but adds extra steps during checkout, which can impact customer flow and reduce conversions.
Modern, mobile-ready, and built for frictionless authentication using over 150 data points.
Used for small payments between €30 and €100, allowing liability shift and faster checkout without extra verification.
Discover solutions that simplify payments, improve checkout speed, and ensure smooth transactions, all designed to boost efficiency and provide helpful insights.
Simplified subscription management and recurring billing.
Fast, secure checkout experience for customers.
Efficient transaction routing with fallback options.
What is 3DS2
Compare 3DS1 & 3DS2Introduce
In 1961
In 2016
Authentication Method
Static password
Dynamic (biometrics, OTP, risk-based)
User Interface
Pop-up/redirect
Seamless integration
Data Sharing
Limited
Enhanced (more data points)
Risk Assessment
Basic, same method for all
Real-time, risk-based
Device Compatibility
Desktop-focused
Mobile-optimized
User Experience
Higher friction, more disruptions
Reduced friction, smoother process
Support for Multiple Devices
Limited
Extensive
Flexibility
Rigid
Adaptive and flexible
transaction Success Rate
Lower due to user friction
Higher due to improved UX
Improve success rates
Acquirer independent
Lower transaction costs 
Our collaboration with Celeris underscores our dedication to enriching businesses' online payment capabilities. Through this partnership, we aim to equip our merchants with the means to refine processes, encompass fraud management and contribute to their sustained growth.
Celeris' gateway solutions are an excellent addition to our merchant services offerings. "We pride ourselves on providing exceptional payment solutions and services to our clients, and the Celeris platform as part of our offering will help us.
We are delighted to partner with Celeris and incorporate our solution into the orchestration platform’s ecosystem. This collaboration is about empowering businesses to address the French and European markets efficiently by providing a seamless localised payment experience.
Our fully network-certified and proven products secure transactions worldwide. We increase that footprint and ensure together with Celeris that merchants can generate more approved transactions complementing their modern and modular platform.
Partnering with Celeris, whose state-of-the-art product and innovative DNA align with ours, ensures top-notch conversion-boosting features and insightful payment performance analytics for our merchants.
We have always recommended Celeris to our merchants with full confidence in their capabilities to provide a great product combined with good service. With solid attention for ongoing product development, compliance releases and new 3rd party integrations, Celeris is widely regarded as one of the top-performing orchestration platforms in the online payment industry. We look forward to a long and successful partnership with Celeris.
Our collaboration with Celeris underscores our dedication to enriching businesses' online payment capabilities. Through this partnership, we aim to equip our merchants with the means to refine processes, encompassing fraud management and contribute to their sustained growth.
Celeris' gateway solutions are an excellent addition to our merchant services offerings. "We pride ourselves on providing exceptional payment solutions and services to our clients, and the Celeris platform as part of our offering will help us.
We are delighted to partner with Celeris and incorporate our solution into the orchestration platform’s ecosystem. This collaboration is about empowering businesses to address the French and European markets efficiently by providing a seamless localised payment experience.
Our fully network-certified and proven products secure transactions worldwide. We increase that footprint and ensure together with Celeris that merchants can generate more approved transactions complementing their modern and modular platform.
Partnering with Celeris, whose state-of-the-art product and innovative DNA align with ours, ensures top-notch conversion-boosting features and insightful payment performance analytics for our merchants.
We have always recommended Celeris to our merchants with full confidence in their capabilities to provide a great product combined with good service. With solid attention for ongoing product development, compliance releases and new 3rd party integrations, Celeris is widely regarded as one of the top-performing orchestration platforms in the online payment industry. We look forward to a long and successful partnership with Celeris.
Flexible 3DS empowers merchants to tailor 3D Secure authentication, deciding when and how it is applied to transactions, achieving the perfect balance between security and user experience.
Flexible 3DS enhances transaction approval rates by selectively applying 3DS based on risk, minimising friction for trusted users and reducing cart abandonment.
Yes, merchants can configure rules to apply 3DS based on transaction value, customer history, or other risk factors.
Yes, Flexible 3DS supports all major card types and networks, ensuring seamless authentication across multiple payment methods.
By applying 3DS only when necessary, it reduces unnecessary authentication steps for low-risk transactions, offering a smoother and faster checkout experience.
The 3DS Liability shift (3D Secure 0.1) and 3DS2 Liability shift (3D Secure 2.0) both work the same way to transfer the fraud liability from merchants to card issuer if authentication is completed.
However, 3DS2 is better than 3DS1. How? 3DS2 offers broader protection because it supports more transaction types like (in-app payments). With 3DS2, the liability shift applies even for frictionless payments and provides a smooth checkout experience to every customer while maintaining all the security standards which makes 3DS2 more versatile than 3DS1 and prevents merchants from chargebacks.
A 3DS not authenticated label means the customer skipped or failed the verification like he/she didn’t submit an OTP or complete a Biometric check. In this case, merchants are liable for fraud. To reduce the risk, merchants can use the 3DS flex to nudge customers towards completing authentication and you can also analyse patterns (like repeat offenders) with 3RI (3D Secure Risk Indicators) to adjust your fraud strategy based on data.
A In simple words, a 3DS2-hosted solution like (Celeris) will take care of the complexity of Strong Customer Authentication (SCA) on the merchant’s behalf. We ensure compliance with regulations like PSD2 while reducing integration work for you, Celeris 3DS2 automates the 3DS2 flow (Like sending risk data to the issuer) and we also support exemption, making it easier to balance security and customer experience.
A The 3DS flow is a step-by-step authentication process and 3DS Flex is the tool that helps merchants to customise how and when to trigger 3DS2 Flow. Paired with 3RI (3D Secure Risk Indicators) it helps merchants to analyse risk factors like (Device data or purchase history) and decide if a challenge is needed. This flexibility helps reduce checkout friction for low-risk transactions while maintaining security for high-risk ones.
Flexible 3DS empowers merchants to tailor 3D Secure authentication, deciding when and how it is applied to transactions, achieving the perfect balance between security and user experience.
Flexible 3DS enhances transaction approval rates by selectively applying 3DS based on risk, minimising friction for trusted users and reducing cart abandonment.
Yes, merchants can configure rules to apply 3DS based on transaction value, customer history, or other risk factors.
Yes, Flexible 3DS supports all major card types and networks, ensuring seamless authentication across multiple payment methods.
By applying 3DS only when necessary, it reduces unnecessary authentication steps for low-risk transactions, offering a smoother and faster checkout experience.
The 3DS Liability shift (3D Secure 0.1) and 3DS2 Liability shift (3D Secure 2.0) both work the same way to transfer the fraud liability from merchants to card issuer if authentication is completed.
However, 3DS2 is better than 3DS1. How? 3DS2 offers broader protection because it supports more transaction types like (in-app payments). With 3DS2, the liability shift applies even for frictionless payments and provides a smooth checkout experience to every customer while maintaining all the security standards which makes 3DS2 more versatile than 3DS1 and prevents merchants from chargebacks.
A 3DS not authenticated label means the customer skipped or failed the verification like he/she didn’t submit an OTP or complete a Biometric check. In this case, merchants are liable for fraud. To reduce the risk, merchants can use the 3DS flex to nudge customers towards completing authentication and you can also analyse patterns (like repeat offenders) with 3RI (3D Secure Risk Indicators) to adjust your fraud strategy based on data.
In simple words, a 3DS2-hosted solution like (Celeris) will take care of the complexity of Strong Customer Authentication (SCA) on the merchant’s behalf. We ensure compliance with regulations like PSD2 while reducing integration work for you, Celeris 3DS2 automates the 3DS2 flow (Like sending risk data to the issuer) and we also support exemption, making it easier to balance security and customer experience.
The 3DS flow is a step-by-step authentication process and 3DS Flex is the tool that helps merchants to customise how and when to trigger 3DS2 Flow. Paired with 3RI (3D Secure Risk Indicators) it helps merchants to analyse risk factors like (Device data or purchase history) and decide if a challenge is needed. This flexibility helps reduce checkout friction for low-risk transactions while maintaining security for high-risk ones.