3-D SECURE · NATIVE ACS

Strong authentication.
Weak friction.

Rigid runs its own ACS, wired directly to Fraud AI. Most challenges never happen — risk data answers silently. When one is needed, it's a biometric tap in your app, not an SMS code from 2012.

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FRICTIONLESS: 92%; FRICTIONLESS
MEDIAN CHALLENGE: 1.2s; MEDIAN CHALLENGE
APPROVAL RATE: +2.3pt; APPROVAL RATE

Confirm paymentrigid 3DS

aerolineas.com

€412.90

**** 4921 · Ember Credit

Touch the sensor to approve

PSD2 SCA · FIDO2 · fallback OTP available

RISK 0.41 → STEP-UP

Biometric passed · 1.2s

RISK-BASED AUTHENTICATION

The best challenge is no challenge.

Fraud AI's score decides the path in-line. Clean traffic sails through on risk data alone; only genuinely ambiguous auths ever see a challenge.

Frictionless · approved on risk data92%

Biometric step-up · in-app FIDO27%

OTP fallback · no app installed1%

Typical programme mix after 30 days of adaptive tuning

NATIVE ACS

Your ACS, not a vendor's

The access control server runs inside the same platform that scores the auth — one risk decision, no data handoffs, no extra vendor in the flow.

IN-APP

Biometric challenges in your app

SDK-rendered challenge screens with Face ID / fingerprint approval — branded as your app, done in about a second.

COMPLIANT

SCA & exemptions handled

PSD2 SCA, TRA exemptions, low-value and trusted-beneficiary logic applied automatically per market — maximizing frictionless share within regulation.

PROTOCOL

EMV 3DS 2.3, all versions

Full protocol support with graceful downgrade — merchants on old versions still authenticate, cardholders never see an error page.

LIABILITY

Liability shift, tracked

Every authentication outcome is recorded against its auth and its ledger entry — chargeback representment evidence, ready when you need it.

OBSERVABLE

Challenge analytics built in

Frictionless share, challenge abandonment, approval uplift — per programme, per market, in the same dashboard as everything else.

See a challenge you'd actually approve of.

Live demo: same transaction through frictionless, biometric and OTP paths.

Book a demo

Strong authentication.Weak friction.