The Art of Selective Friction in Modern Checkout

Merchants chase frictionless checkout, but the right friction can improve trust, reduce disputes, and raise approval rates. This session challenges conventional thinking and shows when step-ups actually help. Learn how to optimize 3DS in both mandated and non-mandated countries, apply 3DS2 exemptions (TRA, MIT, low-value) strategically, account for issuer behavior across markets, and use data-driven testing to balance speed, security, compliance, and customer experience.