Verifi specializes in dispute management, aiding sellers in revenue retention and cost reduction from banks.
Secure Global Payments with 3DS2 Smart Flexible Routing
In today’s world where digital commerce demands a seamless payment experience whilst retaining the highest levels of security, 3DS2 ensures secure, frictionless payments. We deliver a flexible 3DS2 solution with dynamic risk-based authentication, and mobile-first design, using intelligent routing with SCA and compliance needs.
From 3DS1 to 3DS2.3: How Payment Security Has Transformed
The evolution of 3D Secure (3DS) has completely changed. Earlier, 3DS1 relied on one-time passwords (OTP), which mostly made the checkout experience poor, frustrating and restricted conversion. Now, 3DS2.3 delivers a secure, more innovative, smoother, and frictionless checkout experience. This shift improved security and improved the customer checkout experience with a mobile-first design multi-authentication route which reduced authentication on recurring payments.
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: Smart, Adaptive Authentication for Secure Payments
Flexible 3DS allows merchants to influence when and how 3DS should be applied. When required, flexible 3DS supports both 3DS1 and 3DS2 protocols, dynamically adapting security measures to match real-time transaction risks. This allows merchants to customise fraud prevention strategies while maintaining SCA Compliance and delivering customers a frictionless checkout and shopping experience.
With risk-based authentication, Flexible 3DS automatically adjusts verification steps based on transaction risk level by analysing 150+ data points. This ensures strong protection against fraud while maintaining a hassle-free customer journey, reducing cart abandonment, and increasing checkout by 35% with a seamless payment experience.
Compliance Ready.
Risk-Based Authentication.
Transaction Optimisation.
Flexible 3DS utilizes smart validation by evaluating transactions across a range of factors, including transaction amount, customer purchase history, location data, and payment method. This approach ensures a more secure and tailored transaction experience.
SCA Compliance : Streamline compliance with Strong Customer Authentication (SCA) regulation by adaptive protocols that align with regional requirements.
Real-Time Risk-Based Authentication: : This feature reduces the friction of low-risk transactions and escalates security for high-risk payment fraud scenarios, ensuring safety while maintaining user experience.
Scalable Transaction Management : Handle high-volume and high-risk payments effortlessly with our platform built for scalability while maintaining security and seamless user experience.
Frictionless User Experience : Build rules with flexible 3DS for seamless authentication, minimise errors, and streamline checkout.
Payment Security Solutions
Automated Reconciliation speeds up and simplifies the verification process, ensuring all transactions are accurately matched and displayed on the reconciliation dashboard.
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.
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.
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.
How 3DS Routing Improves Payment Security and Efficiency
With 3DS routing, merchants can customise their payment authentication strategies by selecting the most suitable options, such as 3DS2, 3DS1, or bypassing 3DS, based on each transaction's unique requirements. This smart approach streamlines the payment process by evaluating the exemptions and key factors, ensuring the right balance between security and a seamless payment experience.
For low-risk or recurring payments, merchants can skip 3DS entirely, ensuring a frictionless checkout without compromising security.
Businesses using 3DS1 benefit from authentication but face friction during checkout, leading to poor customer experiences and higher cart abandonment.
3DS2, a more advanced protocol, leverages 150+ data points to deliver a seamless, secure authentication process, ideal for high-risk and high-volume transactions.
The Low-Value Exemption (LVE) applies to transactions between €30 and €100, allowing a liability shift without extra authentication, maintaining a smooth checkout process.
Merchants can customise their approach by selecting 3DS1, 3DS2, or bypassing 3DS altogether, optimising the user experience based on transaction risk.
A robust authentication strategy builds trust and confidence, encouraging customer loyalty and driving repeat business.
Automating the routing process simplifies transaction management, minimises manual intervention, and accelerates the checkout experience.
What is 3DS2Compare 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 
What our customers 
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.
What our customers and partners say: 
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.
Related Resource 
Related Resource Explore and download our thoughtfully curated brand assets, crafted to embody the core of our identity and values.
Build your business with Celeris
Frequently Asked QuestionsFlexible 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.