Case Study: Enhanced Authorization & 3DS Optimization

A top OTA boosted authorization rates by implementing Forter’s Pre-Auth Fraud Decisioning, Smart 3DS, and Issuer Optimization. By reducing friction and aligning with issuer preferences, they were able to drive:

• 1% Complete Rate Increase
• 3.4% Bank Decline Reduction
• 25% Fraud Chargeback Reduction

Enhanced Authorization

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.