{"id":1328,"date":"2022-06-16T13:59:08","date_gmt":"2022-06-16T03:59:08","guid":{"rendered":"https:\/\/blog.gpayments.com\/?p=1328"},"modified":"2025-02-20T13:07:06","modified_gmt":"2025-02-20T03:07:06","slug":"frictionless-authentication-what-it-is-how-it-works","status":"publish","type":"post","link":"https:\/\/www.gpayments.com\/blog\/article\/frictionless-authentication-what-it-is-how-it-works\/","title":{"rendered":"Frictionless Authentication: What It Is &#038; How It Works?\u00a0"},"content":{"rendered":"\n\n\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">Did you kn<\/span><span data-contrast=\"auto\">ow that\u202f$56 billion\u202fwas l<\/span><span data-contrast=\"auto\">ost due to identity fraud last year? Luckily, there are various ways of fraud prevention.\u202f<\/span><span data-contrast=\"auto\">Secure payments utilising\u202fmulti-factor, passwords, and biometrics are standard payment authentication processes.\u202f<\/span><span data-contrast=\"auto\">However, <span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" title=\"GPayments\" href=\"https:\/\/www.gpayments.com\/\" target=\"_blank\" rel=\"noopener\">3D Secure 2 provides<\/a> <\/span>a frictionless authentication experience for online payments. This means that the process is easy for customers, with no extra steps or passwords to remember.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">But what is frictionless authentication?<\/span> <span data-contrast=\"auto\">This blog post will discuss how frictionless authentication works and how it can benefit your business.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 style=\"text-align: left;\"><b><span data-contrast=\"auto\">What Is Frictionless Authentication?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">Frictionless authentication is a type of authentication that does not\u202fneed\u202fthe user to go through extra steps or remember different passwords.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">This makes it easier for customers because they do not have to worry about extra steps.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 style=\"text-align: left;\"><b><span data-contrast=\"auto\">What Are Its Benefits?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">Frictionless authentication offers several benefits for businesses<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">These benefits include, but are not limited to:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Increased security<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Improved customer experience<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Reduced fraud<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><a href=\"https:\/\/www.gpayments.com\/about\/3d-secure-2\/\"><span data-contrast=\"none\"><span style=\"color: #3366ff;\">3D Secure<\/span><\/span><\/a><span data-contrast=\"auto\"><span style=\"color: #3366ff;\">\u202f<\/span>is a way to make sure that online payments are secure. Frictionless authentication adds an extra layer of security by not requiring users to remember any other passwords.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">This makes it simpler for customers and can lead to increased sales and customer loyalty. In addition, 3D Secure is designed to reduce fraud, meaning that frictionless authentication can further reduce this by making it harder for fraudsters to access customer accounts.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 style=\"text-align: left;\"><b><span data-contrast=\"auto\">How Does Frictionless Authentication Work?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">3D Secure is a way to make sure online payments are secure. This system uses multiple layers of security to protect businesses and customers from fraud. One of these layers is called frictionless authentication.<\/span> <span data-contrast=\"auto\">This means that people do not need to remember many different passwords. Instead, 3D Secure uses a combination of the customer&#8217;s device, browser, and 3D Secure SDK to verify the customer&#8217;s identity.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-contrast=\"auto\">This system is designed to make it easy for customers while still providing a high level of security. 3D Secure is constantly evolving to stay ahead of fraudsters and provide the best possible experience for customers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 style=\"text-align: left;\"><b><span data-contrast=\"auto\">How Can It Be Used to Improve Security for Online Users?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">Frictionless authentication is an excellent way to ensure that people are who they say they are when Card Not Present (CNP) transactions are being made. This makes it more difficult for criminals to get the information to make fraudulent purchases.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\"> \u00a0<\/span><span data-contrast=\"auto\">Frictionless authentication can help reduce fraud by making it harder for criminals to make purchases under the pretence of being a customer.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\"> \u00a0<\/span><span data-contrast=\"auto\">When used in conjun<\/span><span data-contrast=\"auto\">ction with\u202fother security measures, s<\/span><span data-contrast=\"auto\">uch as 3D Secure, frictionless authentication can provide a high level of security for online and CNP transactions.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 style=\"text-align: left;\"><b><span data-contrast=\"auto\">What Are Some of the Challenges Associated with Frictionless Authentication?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">One of the challenges associated with frictionless authentication can be difficult to implement. 3D Secure is a complex system and adding frictionless authentication can add to this complexity.<\/span> <span data-contrast=\"auto\">In addition, frictionless authentication requires merchants to have 3D Secure-enabled cards to work.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-contrast=\"auto\">This can be a challenge for businesses that do not have 3D Secure-enabled cards, as they will need to obtain these cards to offer frictionless authentication to their customers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">Another challenge associated with frictionless authentication can be difficult to troubleshoot.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-contrast=\"auto\">If there are problems with the process, it can be difficult to determine where the problem lies.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-contrast=\"auto\">This can be a challenge for businesses unfamiliar with 3D Secure or frictionless authentication.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 style=\"text-align: left;\"><b><span data-contrast=\"auto\">How Can You Overcome These Challenges?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">There are challenges associated with frictionless authentication. One way to overcome these challenges is to partner with a company specialising in 3D Secure, such as <span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" title=\"GPayments\" href=\"https:\/\/www.gpayments.com\/\" target=\"_blank\" rel=\"noopener\">GPayments<\/a><\/span>, which can help businesses avoid some of the complexity associated with implementing frictionless authentication.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-contrast=\"auto\">Many customers are not familiar with <a title=\"Articles\" href=\"https:\/\/blog.gpayments.com\/articles\/\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #3366ff;\">3D Secure<\/span><\/a> or frictionless authentication, which means companies such as GPayments can help educate customers on the benefits of 3D Secure and frictionless authentication. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 style=\"text-align: left;\"><b><span data-contrast=\"auto\">How Will Frictionless Authentication Online Payments Impact Online User Behaviour in the Future?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">Frictionless authentication will have a positive impact on online user behaviour in the future. As more businesses adopt 3D Secure and frictionless authentication, customers will become more familiar with these processes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-contrast=\"auto\">This will lead to increased confidence in online payments and increased adoption of 3D Secure and frictionless authentication. As 3D Secure 2 and frictionless authentication become more widely adopted, the potential risks associated with these processes will decrease.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 style=\"text-align: left;\"><b><span data-contrast=\"auto\">Frictionless Authentication SDK: Get Started Today<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p style=\"text-align: left;\"><span data-contrast=\"auto\">Frictionless authentication is a new security measure that is being adopted by many businesses.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-contrast=\"auto\">If you are interested in implementing 3D Secure and would like your business to benefit from frictionless authentication, you should consider partnering with GPayments, a leader in the 3D Secure industry.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-contrast=\"auto\">Get started today and take advantage of the benefits of <span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"https:\/\/www.gpayments.com\/solutions\/3d-secure-mobile-sdk-activesdk\/\" target=\"_blank\" rel=\"noopener\">3D Secure and frictionless authentication<\/a> <\/span>with GPayments!\u202f<\/span><span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"https:\/\/www.gpayments.com\/contact\/\">Request a demo now!<\/a>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did you know that\u202f$56 billion\u202fwas lost due to identity fraud last year? Luckily, there are various ways of fraud prevention.\u202fSecure payments utilising\u202fmulti-factor, passwords, and biometrics are standard payment authentication processes.\u202fHowever, 3D Secure 2 provides a frictionless authentication experience for online payments. This means that the process is easy for customers, with no extra steps or [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":1345,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[13,62],"class_list":["post-1328","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-3ds2","tag-frictionless-authentication"],"aioseo_notices":[],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/posts\/1328","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/comments?post=1328"}],"version-history":[{"count":22,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/posts\/1328\/revisions"}],"predecessor-version":[{"id":2165,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/posts\/1328\/revisions\/2165"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/media\/1345"}],"wp:attachment":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/media?parent=1328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/categories?post=1328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/tags?post=1328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}