Standard 3DS challenges cost merchants up to 20% in payment-step abandonment. Ideem replaces the OTP challenge with a silent device-bound step-up, so you stay compliant without losing the sale.
PSD2 and SCA mandates require step-up authentication on high-risk transactions. The standard solution, an OTP challenge or redirect, creates exactly the friction that drives cart abandonment.
They don't have to be in conflict.
Passkeys+ replaces the 3DS OTP challenge with a silent device-bound passkey step-up. Full PSD2/SCA compliance with no exemptions needed and no visible interruption to the payment flow.
Risk engine triggers step-up requirement
Device-bound passkey authenticates in-flow
PSD2/SCA satisfied. Payment completes.
Every transaction. No exemptions, no workarounds.
Device-bound passkey. No OTP, no redirect.
Card issuers, acquirers, and PSPs managing SCA compliance.
Frictionless 3DS authentication is a way to meet Strong Customer Authentication (SCA) requirements under PSD2 without interrupting the user's payment flow. Instead of sending an OTP or redirecting the user to a challenge page, the authentication happens silently in the background using a device-bound passkey. The user completes their purchase without noticing any additional step.
Ideem replaces the standard 3DS OTP challenge with a silent, device-bound passkey step-up. When a transaction is flagged for SCA by the risk engine, Passkeys+ authenticates the user cryptographically on their device without requiring them to enter a code or leave the payment flow. This satisfies PSD2/SCA requirements with no exemptions needed.
Yes. Passkeys+ integrates with your existing 3DS and payment stack as a silent step-up layer. It works alongside card issuers, acquirers, and PSPs managing SCA compliance. There is no need for exemption strategies or workarounds. The device-bound passkey provides full compliance on every transaction.
Meet SCA requirements. Keep your conversion rate.