Issuer Intelligence
Supports configurable PSD2 and SCA workflows using issuer, acquirer and payer insights to help optimize authentication flows.
Authentication thatearns its friction.
Every transaction is checked against scheme, issuer, and regulatory rules, so 3DS2 only steps up when it needs to.
Contact usAuthentication should be earned.Not assumed.
Every payment is evaluated before the right authentication path is selected.
Issuer Behavior
Live and historical issuer responses show when frictionless approval, challenge, or exemption is most likely.
Risk Score
Platform signals and merchant risk models are combined to decide when a payment can stay frictionless, and when it needs a step-up.
Merchant Strategy
Set the thresholds, test the strategy, and keep control of when authentication steps in.
Issuers changeposture weekly. Theengine notices.
Issuer behaviour evolves over time. We track changes and support adaptive authentication decisions.
Ready to see it in action?
Observe
Every auth is labelled.
Every outcome is captured and used to improve future decisions.
Profile
One profile per issuer.
Issuer behaviour is continuously tracked across regions and schemes.
Decide
Lightest legal path.
The optimal authentication flow is selected in real time.
Adapt
Posture shifts. Rules shift.
Routing updates as issuer behaviour changes.
Five ways to readthe security-conversion trade.
Maximize authentication
Stay frictionless where allowed, and step up only when the rules require it.
Frictionless-only
Keep trusted repeat payments moving with minimal interruption.
Always challenge
Challenge every payment when chargeback risk matters more than conversion.
Threshold-based
Apply 3DS above defined limits.
Risk-aware step-up
Challenge only high-risk payments.
For every team
See every authenticationdecision.
Every challenge, exemption, and liability shift in one place.
Every authentication. Fully traceable.
Track every step from payment to liability shift.
Control every authentication rule.
Create, test, and refine authentication strategies visually.
More approvals.Fewer interruptions.
Stop reacting to the market. Start orchestrating it.
Contact us