6.1 Frictionless flow

In a frictionless flow, the acquirer, issuer, and card scheme exchange all necessary information in the background through passive authentication using the shopper's device fingerprint. The transaction is completed without further shopper interaction.

The advantages of Frictionless flow

• Improving transaction success rate: By reducing verification steps, the possibility of users abandoning purchases is decreased.
• Enhancing payment security: Even in the frictionless authentication process, issuers can still use the collected data to assess transaction risks, ensuring that only legitimate card payments can pass authentication and complete the payment.