The Japan Credit Association will require EMV 3D Secure on all Japanese credit cards beginning March 2025, pushing merchants to adopt stronger fraud and account protection measures. To help businesses maintain high conversion rates under this mandate, Forter reduces unnecessary 3DS friction by helping merchants qualify for scenarios that allow trusted transactions to bypass 3DS entirely. For riskier borderline transactions that might otherwise be declined, Forter applies 3DS strategically to increase approvals. This approach boosts conversions, protects customers, and ensures a seamless checkout experience while staying compliant with Japan’s new requirements.

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