{"id":1103,"date":"2022-05-16T17:01:03","date_gmt":"2022-05-16T07:01:03","guid":{"rendered":"https:\/\/54.66.202.3\/?page_id=1103"},"modified":"2024-02-12T11:59:41","modified_gmt":"2024-02-12T01:59:41","slug":"gpayments-blog","status":"publish","type":"page","link":"https:\/\/www.gpayments.com\/blog\/","title":{"rendered":"Blog"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l3a6tcw8-0423e88555197e10233a34375013a0c0\">\n.avia-image-container.av-l3a6tcw8-0423e88555197e10233a34375013a0c0 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-l3a6tcw8-0423e88555197e10233a34375013a0c0 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-l3a6tcw8-0423e88555197e10233a34375013a0c0 av-styling-no-styling avia-align-center  avia-builder-el-0  el_before_av_blog  avia-builder-el-first '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-1609 avia-img-lazy-loading-not-1609 avia_image ' src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2.png\" alt='' title='GP-AFR-2'  height=\"1260\" width=\"3132\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2.png 3132w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-300x121.png 300w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-1030x414.png 1030w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-768x309.png 768w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-1536x618.png 1536w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-2048x824.png 2048w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-1500x603.png 1500w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-705x284.png 705w\" sizes=\"(max-width: 3132px) 100vw, 3132px\" \/><\/div><\/div><\/div>\n<div  data-slideshow-options=\"{&quot;animation&quot;:&quot;fade&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;show_slide_delay&quot;:90}\" class='avia-content-slider avia-content-grid-active avia-content-slider1 avia-content-slider-odd  avia-builder-el-1  el_after_av_image  avia-builder-el-last  av-slideshow-ui av-control-default   av-no-slider-navigation av-slideshow-manual av-loop-once av-loop-manual-endless '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Blog\" ><div class=\"avia-content-slider-inner\"><div class=\"slide-entry-wrap\"><article class='slide-entry flex_column  post-entry post-entry-3340 slide-entry-overview slide-loop-1 slide-parity-odd  av_one_third first real-thumbnail posttype-post post-format-standard' aria-label=\"Slide: When Should Issuers Consider Biometric Authentication Instead of One-Time Passwords?\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/biometric-vs-otp-issuer-authentication\/' data-rel='slide-1' class='slide-image' title='When Should Issuers Consider Biometric Authentication Instead of One-Time Passwords?'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Biometrics-vs-OTP-495x400.jpg\" class=\"wp-image-3341 avia-img-lazy-loading-3341 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Biometrics-vs-OTP-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Biometrics-vs-OTP-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/biometric-vs-otp-issuer-authentication\/' title='When Should Issuers Consider Biometric Authentication Instead of One-Time Passwords?'>When Should Issuers Consider Biometric Authentication Instead of One-Time Passwords?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nA 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,\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/biometric-vs-otp-issuer-authentication\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-11-09T14:54:06+10:00\" >9 November 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Biometrics-vs-OTP-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1707<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-11-09 14:54:06<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-11-12 11:13:38<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>When Should Issuers Consider Biometric Authentication Instead of One-Time Passwords?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-3337 slide-entry-overview slide-loop-2 slide-parity-even  av_one_third  real-thumbnail posttype-post post-format-standard' aria-label=\"Slide: Can Trusted Merchant Relationships Change Authentication Decisions?\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/trusted-merchants-3ds-authentication-decisions\/' data-rel='slide-1' class='slide-image' title='Can Trusted Merchant Relationships Change Authentication Decisions?'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Trusted-Merchants-495x400.jpg\" class=\"wp-image-3338 avia-img-lazy-loading-3338 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Trusted-Merchants-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Trusted-Merchants-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/trusted-merchants-3ds-authentication-decisions\/' title='Can Trusted Merchant Relationships Change Authentication Decisions?'>Can Trusted Merchant Relationships Change Authentication Decisions?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nA cardholder frequently buys from the same merchant and recognises each transaction. Should that history influence the authentication experience?\nIssuer-side systems can support trusted merchant or whitelisting arrangements within the applicable\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/trusted-merchants-3ds-authentication-decisions\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-11-06T14:31:32+10:00\" >6 November 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Trusted-Merchants-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1707<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-11-06 14:31:32<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-11-11 14:31:51<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Can Trusted Merchant Relationships Change Authentication Decisions?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-3333 slide-entry-overview slide-loop-3 slide-parity-odd  av_one_third  real-thumbnail posttype-post post-format-standard' aria-label=\"Slide: What Is Actually Live in Agentic Payments, and What Comes Next\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/agentic-payments-what-is-live\/' data-rel='slide-1' class='slide-image' title='What Is Actually Live in Agentic Payments, and What Comes Next'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Agentic-Payments-495x400.jpg\" class=\"wp-image-3336 avia-img-lazy-loading-3336 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Agentic-Payments-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Agentic-Payments-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/agentic-payments-what-is-live\/' title='What Is Actually Live in Agentic Payments, and What Comes Next'>What Is Actually Live in Agentic Payments, and What Comes Next<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\n\nOpinion  \u00a0\u00b7\u00a0 GPayments Editorial Team \u00a0\u00b7\u00a0 November 2026\nThis 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\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/agentic-payments-what-is-live\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-11-06T14:15:21+10:00\" >6 November 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Agentic-Payments-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1706<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-11-06 14:15:21<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-11-11 14:18:11<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>What Is Actually Live in Agentic Payments, and What Comes Next<\/span><\/span><\/span><\/article><\/div><div class=\"slide-entry-wrap\"><article class='slide-entry flex_column  post-entry post-entry-3326 slide-entry-overview slide-loop-4 slide-parity-odd  av_one_third first real-thumbnail posttype-post post-format-standard' aria-label=\"Slide: What Happens When a Cardholder Can&#039;t Authenticate Right Now?\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/decoupled-authentication-cardholder-not-available\/' data-rel='slide-1' class='slide-image' title='What Happens When a Cardholder Can&#8217;t Authenticate Right Now?'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/3DS-Decoupled-Authentication-495x400.jpg\" class=\"wp-image-3328 avia-img-lazy-loading-3328 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/3DS-Decoupled-Authentication-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/3DS-Decoupled-Authentication-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/decoupled-authentication-cardholder-not-available\/' title='What Happens When a Cardholder Can&#8217;t Authenticate Right Now?'>What Happens When a Cardholder Can&#8217;t Authenticate Right Now?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nA 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\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/decoupled-authentication-cardholder-not-available\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-11-06T11:30:23+10:00\" >6 November 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/3DS-Decoupled-Authentication-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1703<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-11-06 11:30:23<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-11-11 11:36:11<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>What Happens When a Cardholder Can&#8217;t Authenticate Right Now?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-3321 slide-entry-overview slide-loop-5 slide-parity-even  av_one_third  real-thumbnail posttype-post post-format-standard' aria-label=\"Slide: How Do Issuers Measure the Quality of Their 3DS Authentication Decisions?\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/measuring-3ds-authentication-decisions\/' data-rel='slide-1' class='slide-image' title='How Do Issuers Measure the Quality of Their 3DS Authentication Decisions?'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/3DS-Authentication-Decisions-495x400.jpg\" class=\"wp-image-3323 avia-img-lazy-loading-3323 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/3DS-Authentication-Decisions-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/3DS-Authentication-Decisions-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/measuring-3ds-authentication-decisions\/' title='How Do Issuers Measure the Quality of Their 3DS Authentication Decisions?'>How Do Issuers Measure the Quality of Their 3DS Authentication Decisions?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nA 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\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/measuring-3ds-authentication-decisions\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-11-05T12:53:14+10:00\" >5 November 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/3DS-Authentication-Decisions-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1600<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-11-05 12:53:14<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-11-05 13:02:46<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>How Do Issuers Measure the Quality of Their 3DS Authentication Decisions?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-3329 slide-entry-overview slide-loop-6 slide-parity-odd  av_one_third  real-thumbnail posttype-post post-format-standard' aria-label=\"Slide: How Should Issuers Approach Authentication for Recurring Payments?\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/3ri-authentication-recurring-payments\/' data-rel='slide-1' class='slide-image' title='How Should Issuers Approach Authentication for Recurring Payments?'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Authentication-for-Recurring-Payments1-495x400.jpg\" class=\"wp-image-3332 avia-img-lazy-loading-3332 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Authentication-for-Recurring-Payments1-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Authentication-for-Recurring-Payments1-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/3ri-authentication-recurring-payments\/' title='How Should Issuers Approach Authentication for Recurring Payments?'>How Should Issuers Approach Authentication for Recurring Payments?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nThe 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\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/3ri-authentication-recurring-payments\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-11-05T12:14:53+10:00\" >5 November 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Authentication-for-Recurring-Payments1-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1707<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-11-05 12:14:53<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-11-11 12:19:12<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>How Should Issuers Approach Authentication for Recurring Payments?<\/span><\/span><\/span><\/article><\/div><div class=\"slide-entry-wrap\"><article class='slide-entry flex_column  post-entry post-entry-3317 slide-entry-overview slide-loop-7 slide-parity-odd  av_one_third first real-thumbnail posttype-post post-format-standard' aria-label=\"Slide: Could Decision AI Make 3D Secure Authentication More Adaptive?\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/adaptive-decision-ai-3ds\/' data-rel='slide-1' class='slide-image' title='Could Decision AI Make 3D Secure Authentication More Adaptive?'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Adaptive-Payment-Authentication-495x400.jpg\" class=\"wp-image-3319 avia-img-lazy-loading-3319 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Adaptive-Payment-Authentication-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Adaptive-Payment-Authentication-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/adaptive-decision-ai-3ds\/' title='Could Decision AI Make 3D Secure Authentication More Adaptive?'>Could Decision AI Make 3D Secure Authentication More Adaptive?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nPayment 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.\nAgainst that background, the prospect of more adaptive\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/adaptive-decision-ai-3ds\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-11-04T14:54:05+10:00\" >4 November 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Adaptive-Payment-Authentication-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1429<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-11-04 14:54:05<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-11-04 14:54:06<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Could Decision AI Make 3D Secure Authentication More Adaptive?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-3314 slide-entry-overview slide-loop-8 slide-parity-even  av_one_third  real-thumbnail posttype-post post-format-standard' aria-label=\"Slide: Frictionless Doesn&#039;t Mean Risk-Free\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/frictionless-doesnt-mean-risk-free\/' data-rel='slide-1' class='slide-image' title='Frictionless Doesn&#8217;t Mean Risk-Free'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Frictionless-doesnt-mean-risk-free-495x400.jpg\" class=\"wp-image-3316 avia-img-lazy-loading-3316 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Frictionless-doesnt-mean-risk-free-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Frictionless-doesnt-mean-risk-free-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/frictionless-doesnt-mean-risk-free\/' title='Frictionless Doesn&#8217;t Mean Risk-Free'>Frictionless Doesn&#8217;t Mean Risk-Free<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\n'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.\nBut\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/frictionless-doesnt-mean-risk-free\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-11-04T14:38:12+10:00\" >4 November 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Frictionless-doesnt-mean-risk-free-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1227<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-11-04 14:38:12<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-11-04 14:38:13<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Frictionless Doesn&#8217;t Mean Risk-Free<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-3311 slide-entry-overview slide-loop-9 slide-parity-odd  post-entry-last  av_one_third  real-thumbnail posttype-post post-format-standard' aria-label=\"Slide: What Makes an Authentication Decision Intelligent?\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/intelligent-3ds-authentication-decisions\/' data-rel='slide-1' class='slide-image' title='What Makes an Authentication Decision Intelligent?'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Intelligent-Authentication-Decision-495x400.jpg\" class=\"wp-image-3313 avia-img-lazy-loading-3313 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Intelligent-Authentication-Decision-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Intelligent-Authentication-Decision-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/intelligent-3ds-authentication-decisions\/' title='What Makes an Authentication Decision Intelligent?'>What Makes an Authentication Decision Intelligent?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nA 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.\nAs payment providers explore\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/intelligent-3ds-authentication-decisions\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-11-04T14:27:49+10:00\" >4 November 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/11\/Intelligent-Authentication-Decision-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1790<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-11-04 14:27:49<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-11-04 14:27:50<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>What Makes an Authentication Decision Intelligent?<\/span><\/span><\/span><\/article><\/div><\/div><div class='pagination-wrap pagination-slider'><nav class='pagination'><span class='pagination-meta'>Page 1 of 35<\/span><span class='current'>1<\/span><a href='https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/?avia-element-paging=2' class='inactive next_page' >2<\/a><a href='https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/?avia-element-paging=3' class='inactive' >3<\/a><a href='https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/?avia-element-paging=2'>&rsaquo;<\/a><a href='https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/?avia-element-paging=35'>&raquo;<\/a><\/nav>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":9,"featured_media":1734,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-1103","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Card-Not-Present Authentication with 3D Secure\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.gpayments.com\/blog\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.4\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"GPayments | Card-Not-Present Authentication with 3D Secure\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"GPayments Blog\" \/>\n\t\t<meta property=\"og:description\" content=\"Card-Not-Present Authentication with 3D Secure\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.gpayments.com\/blog\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2022-05-16T07:01:03+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2024-02-12T01:59:41+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:title\" content=\"GPayments Blog\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Card-Not-Present Authentication with 3D Secure\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#listItem\",\"name\":\"Blog\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#listItem\",\"position\":2,\"name\":\"Blog\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#listItem\",\"name\":\"Home\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#organization\",\"name\":\"GPayments Blog\",\"description\":\"Card-Not-Present Authentication with 3D Secure\",\"url\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/blog.gpayments.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/3DS-Server-SaaS-ActiveServer-Service.png\",\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#organizationLogo\"},\"image\":{\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#organizationLogo\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#webpage\",\"url\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/\",\"name\":\"GPayments Blog\",\"description\":\"Card-Not-Present Authentication with 3D Secure\",\"inLanguage\":\"en-AU\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#breadcrumblist\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Frame-36219-1.png\",\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#mainImage\",\"width\":1200,\"height\":675},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#mainImage\"},\"datePublished\":\"2022-05-16T17:01:03+10:00\",\"dateModified\":\"2024-02-12T11:59:41+10:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/\",\"name\":\"GPayments\",\"description\":\"Card-Not-Present Authentication with 3D Secure\",\"inLanguage\":\"en-AU\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.gpayments.com\\\/blog\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"GPayments Blog","description":"Card-Not-Present Authentication with 3D Secure","canonical_url":"https:\/\/www.gpayments.com\/blog\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.gpayments.com\/blog\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.gpayments.com\/blog\/#listItem","position":1,"name":"Home","item":"https:\/\/www.gpayments.com\/blog\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.gpayments.com\/blog\/#listItem","name":"Blog"}},{"@type":"ListItem","@id":"https:\/\/www.gpayments.com\/blog\/#listItem","position":2,"name":"Blog","previousItem":{"@type":"ListItem","@id":"https:\/\/www.gpayments.com\/blog\/#listItem","name":"Home"}}]},{"@type":"Organization","@id":"https:\/\/www.gpayments.com\/blog\/#organization","name":"GPayments Blog","description":"Card-Not-Present Authentication with 3D Secure","url":"https:\/\/www.gpayments.com\/blog\/","logo":{"@type":"ImageObject","url":"https:\/\/blog.gpayments.com\/wp-content\/uploads\/2024\/07\/3DS-Server-SaaS-ActiveServer-Service.png","@id":"https:\/\/www.gpayments.com\/blog\/#organizationLogo"},"image":{"@id":"https:\/\/www.gpayments.com\/blog\/#organizationLogo"}},{"@type":"WebPage","@id":"https:\/\/www.gpayments.com\/blog\/#webpage","url":"https:\/\/www.gpayments.com\/blog\/","name":"GPayments Blog","description":"Card-Not-Present Authentication with 3D Secure","inLanguage":"en-AU","isPartOf":{"@id":"https:\/\/www.gpayments.com\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.gpayments.com\/blog\/#breadcrumblist"},"image":{"@type":"ImageObject","url":"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2024\/02\/Frame-36219-1.png","@id":"https:\/\/www.gpayments.com\/blog\/#mainImage","width":1200,"height":675},"primaryImageOfPage":{"@id":"https:\/\/www.gpayments.com\/blog\/#mainImage"},"datePublished":"2022-05-16T17:01:03+10:00","dateModified":"2024-02-12T11:59:41+10:00"},{"@type":"WebSite","@id":"https:\/\/www.gpayments.com\/blog\/#website","url":"https:\/\/www.gpayments.com\/blog\/","name":"GPayments","description":"Card-Not-Present Authentication with 3D Secure","inLanguage":"en-AU","publisher":{"@id":"https:\/\/www.gpayments.com\/blog\/#organization"}}]},"og:locale":"en_US","og:site_name":"GPayments | Card-Not-Present Authentication with 3D Secure","og:type":"article","og:title":"GPayments Blog","og:description":"Card-Not-Present Authentication with 3D Secure","og:url":"https:\/\/www.gpayments.com\/blog\/","article:published_time":"2022-05-16T07:01:03+00:00","article:modified_time":"2024-02-12T01:59:41+00:00","twitter:card":"summary","twitter:title":"GPayments Blog","twitter:description":"Card-Not-Present Authentication with 3D Secure"},"aioseo_meta_data":{"post_id":"1103","title":"GPayments Blog","description":"Card-Not-Present Authentication with 3D Secure","keywords":[],"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":[],"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":{"id":"#aioseo-web-page-63f6ee2eb051b","slug":"web-page","graphName":"WebPage","label":"Web Page","properties":{"type":"WebPage","name":"","description":""}}},"graphName":"WebPage","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":"{\"article\":{\"articleType\":\"BlogPosting\"},\"course\":{\"name\":\"\",\"description\":\"\",\"provider\":\"\"},\"faq\":{\"pages\":[]},\"product\":{\"reviews\":[]},\"recipe\":{\"ingredients\":[],\"instructions\":[],\"keywords\":[]},\"software\":{\"reviews\":[],\"operatingSystems\":[]},\"webPage\":{\"webPageType\":\"WebPage\"}}","pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","location":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2022-05-16 07:00:29","updated":"2025-07-14 00:37:55","focus_keyword":null,"additional_keywords":null,"truseo_locale":null,"seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.gpayments.com\/blog\/\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tBlog\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.gpayments.com\/blog\/"},{"label":"Blog","link":"https:\/\/www.gpayments.com\/blog\/"}],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/comments?post=1103"}],"version-history":[{"count":28,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/revisions"}],"predecessor-version":[{"id":1673,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/revisions\/1673"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/media\/1734"}],"wp:attachment":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/media?parent=1103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}