Forter introduces a modern approach to 3DS that boosts conversions while shifting chargeback liability. Many U.S. merchants avoid 3DS due to fears of added friction, but this only occurs with outdated implementations. Forter analyzes both transaction identity and issuer preferences to determine when 3DS should be applied. For low‑risk transactions, Forter predicts whether 3DS will help or hinder approval and adapts accordingly. This intelligent, selective use of 3DS maximizes success, reduces unnecessary friction, and improves approval rates while providing liability protection.

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