Frictionless flow Definition.
3-D Secure flow with no cardholder interaction: the ACS authenticates based solely on the risk data it receives (device, history, IP address, amount) or applies an exemption. A challenge, by contrast, requires action from the customer: approval in the banking app, biometrics, or an OTP. Raising the frictionless rate, through rich 3DS data and the TRA exemption, is a major conversion lever.
See also
Where this term appears
GuideThe role of banksGuidePayment regulationGuidePayments in FranceGuideTokenization and card authentication around the worldGuideCard payment codes and identifiersGuideTransaction data and approval ratesGuide3-D Secure 2 and SCA exemptionsGuidePayment routing and optimizationGuideTesting, certification, and UATGuideReason codesGuideFraud prevention and toolingCourseReducing your decline rate