When Should Issuers Consider Biometric Authentication Instead of One-Time Passwords?

A one-time passcode can be familiar and widely understood, but it can also interrupt a payment, depend on message delivery and expose customers to social-engineering risks. Device-based biometric-backed authentication offers a different experience,…
Read more

Can Trusted Merchant Relationships Change Authentication Decisions?

A cardholder frequently buys from the same merchant and recognises each transaction. Should that history influence the authentication experience? Issuer-side systems can support trusted merchant or whitelisting arrangements within the applicable…
Read more

What Is Actually Live in Agentic Payments, and What Comes Next

Opinion  ·  GPayments Editorial Team  ·  November 2026 This is an opinion piece by the GPayments editorial team. It reports only what has already occurred in agentic payments, including announcements the card schemes and regulators…
Read more

What Happens When a Cardholder Can’t Authenticate Right Now?

A customer is ready to complete a payment, but the normal 3D Secure challenge cannot be completed. Perhaps the device does not support the required interaction, the user cannot respond in the original channel or an issuer's usual method is…
Read more

How Do Issuers Measure the Quality of Their 3DS Authentication Decisions?

A 3D Secure (3DS) authentication strategy has to achieve more than a high volume of frictionless outcomes. Issuers are trying to protect cardholders, assess uncertain transactions and maintain a workable shopping experience. Those objectives…
Read more

How Should Issuers Approach Authentication for Recurring Payments?

The first payment in a subscription and a later recurring charge may look similar in an account statement, but they can present different authentication circumstances. During the first purchase, the cardholder may be available to verify the…
Read more

Could Decision AI Make 3D Secure Authentication More Adaptive?

Payment authentication does not stand still. New devices, changing payment behaviour and evolving attack methods create a moving set of conditions for issuers and payment technology providers. Against that background, the prospect of more adaptive…
Read more

Frictionless Doesn’t Mean Risk-Free

'Frictionless' is one of the most attractive words in digital payments. It suggests a checkout experience that moves forward without an extra authentication challenge and without asking a legitimate cardholder to interrupt their purchase. But…
Read more

What Makes an Authentication Decision Intelligent?

A payment authentication system can be fast, standards-compliant and operationally reliable without necessarily making a sophisticated risk decision. These are related qualities, but they answer different questions. As payment providers explore…
Read more