# Maximise Conversions with Dynamic 3DS

## Authentication Model

## Routing Decision

## Decline

## Approve

## High Risk

## Card Vaulting

## Pre-Auth Fraud Decision

No 3DS

Token

Decision

Card Network Decision

Processor Decision

## Merchant Enhanced Authorization

- Major Card Network
- Processor A
- Network Token
- Frictionless 3DS
- Debit
- Processor B
- Card Number

Frictionless or Challenge 3DS

Domestic Network

Processor C

Best practice advises considering both the identity behind the transaction and issuer preferences to determine when and on whom to apply 3DS. By leveraging insights from the pre-authorization risk decision, merchants can employ a unique, success-maximizing approach to 3DS. For low-risk transactions, this means routing through a dynamic authentication model tailored to issuer preferences.

### No 3DS: 
Bypass 3DS when the transaction is likely to be approved without it, or for issuers where 3DS negatively impacts approval rates.

### Frictionless 3DS: 
For issuers that support frictionless authentication without impacting approval rates, trigger 3DS to shift liability. This will minimize the impact of first-party fraud.

### Enhanced Authorization: 
Share enriched data with banks and card networks to improve risk assessments and reduce false bank fraud declines.

## Card Vaulting Unlocks Multiprocessor Flexibility

### Authentication Model

### Routing Decision

### Decline

### Approve

### High Risk

### Card Vaulting

### Pre-Auth Fraud Decision

No 3DS

Token

Decision

Card Network Decision

Processor Decision

### Merchant Enhanced Authorization

- Major Card Network
- Processor A
- Network Token
- Frictionless 3DS
- Debit
- Processor B
- Card Number

Frictionless or Challenge 3DS

Domestic Network

Processor C

To start, merchants can maximize their payment strategy at the point tokenization, even before a fraud decision is made.

When a customer inputs their card details at checkout, merchants can avoid PCI compliance burdens by sending details directly to a secure, processor agnostic card vault. A processor agnostic vault is key because it unlocks flexibility to route across multiple processors. A comprehensive card vault should offer the following capabilities:

- Secure payments and ease PCI compliance by replacing sensitive data with non-sensitive tokens.
- Update network tokens from card networks to boost revenue and lower interchange fees.
- Provide real-time updates of PANs to prevent declines, increase revenue, and cut costs.