Maximize security and sales with intelligent 3D Secure

Not every payment is the same - and neither is the security. With ePay you can choose per payment between:

With a single API call you switch the mode per transaction - ideal for balancing conversion and risk across customer profiles and amounts.

• Skip - bypass 3D Secure entirely
• Normal - run the standard flow
• Force - always require a challenge for maximum protection

Leverage Transaction Risk Analysis (TRA) and Low Value Transaction (LVT) exemptions so low-risk purchases pass without extra steps.

Our intelligent implementation automatically assesses when an exemption is safe while keeping your costs low as a merchant.

The result? Faster checkout, fewer abandoned carts, and higher conversion - especially on mobile where every tap counts.

Easily integrate your own risk models through our preAuth step.

Dynamically adjust the flow - e.g. increase friction for high-risk transactions or ease up for low-risk payments.

The process runs behind the scenes, and only when you want it the customer is sent to a challenge (redirect or popup).

Everything else happens smoothly without compromising conversions.