Frictionless 3DS. SCA Compliance, Zero Friction.

Standard 3DS challenges cost merchants up to 20% in payment-step abandonment. Ideem replaces the OTP challenge with a silent device-bound step-up, so you stay compliant without losing the sale.

THE PROBLEM

Compliance and conversion have been in conflict.

PSD2 and SCA mandates require step-up authentication on high-risk transactions. The standard solution, an OTP challenge or redirect, creates exactly the friction that drives cart abandonment.

Standard 3DS Challenge

• OTP sent via SMS: delays, interception risk
• Browser redirect breaks the payment flow
• Up to 20% abandonment at the challenge step

Ideem Silent Step-Up

• ✓ Device-bound passkey with no code to enter
• ✓ Stays inside the payment flow with no redirect
• ✓ User doesn't notice the step-up happened

They don't have to be in conflict.

HOW IDEEM SOLVES IT

The risk check happens. The requirement is met. The user doesn't notice.

Passkeys+ replaces the 3DS OTP challenge with a silent device-bound passkey step-up. Full PSD2/SCA compliance with no exemptions needed and no visible interruption to the payment flow.

1. Transaction flagged for SCA

   • Risk engine triggers step-up requirement

2. Passkeys+ activates silently

   • Device-bound passkey authenticates in-flow

3. Compliance confirmed

   • PSD2/SCA satisfied. Payment completes.

WHAT YOU GET

What You Get with Frictionless 3DS Authentication

• PSD2/SCA Compliant

  • Every transaction. No exemptions, no workarounds.

• Silent Step-Up

  • Device-bound passkey. No OTP, no redirect.

• Built for Regulated Markets

  • Card issuers, acquirers, and PSPs managing SCA compliance.

Frequently Asked Questions

What is frictionless 3DS authentication?

Frictionless 3DS authentication is a way to meet Strong Customer Authentication (SCA) requirements under PSD2 without interrupting the user's payment flow. Instead of sending an OTP or redirecting the user to a challenge page, the authentication happens silently in the background using a device-bound passkey. The user completes their purchase without noticing any additional step.

How does Ideem handle SCA compliance without user interruption?

Ideem replaces the standard 3DS OTP challenge with a silent, device-bound passkey step-up. When a transaction is flagged for SCA by the risk engine, Passkeys+ authenticates the user cryptographically on their device without requiring them to enter a code or leave the payment flow. This satisfies PSD2/SCA requirements with no exemptions needed.

Does Passkeys+ work with existing 3DS and payment infrastructure?

Yes. Passkeys+ integrates with your existing 3DS and payment stack as a silent step-up layer. It works alongside card issuers, acquirers, and PSPs managing SCA compliance. There is no need for exemption strategies or workarounds. The device-bound passkey provides full compliance on every transaction.

Compliance without compromise.

Meet SCA requirements. Keep your conversion rate.