Replace OTP & 3DS Friction with Biometric SCA
Authenticate high-value transactions with Strong Customer Authentication that binds every user approval to exact payment data - amount, payee, and intent.Enforce PSD2 compliance without sacrificing UX, and reduce dropoffs. Orchestrate intelligent, risk-based MFA journeys using passkeys and push authentication to completely eliminate OTP delays, hence no more fragile flows.
Built for Fintechs That Can’t Afford Tradeoffs
Legacy authentication compromises conversion rates for your security. LoginRadius brings both together in a unified runtime environment.
Definitive Fraud Elimination
Move beyond vulnerable SMS OTPs. Enforcing biometric Passkeys and device-bound mobile Push MFA structurally eliminates account takeovers and card-not-present payment fraud.
Instant Liability Shift
Protect your operational bottom line. By executing strict SCA validation, the financial liability for fraudulent chargebacks instantly shifts away from your enterprise and onto the card-issuing bank.
Frictionless Compliance
Eliminate the tradeoff between tight compliance security and cart abandonment. Retain peak conversion rates by serving users lightning-fast, native biometric confirmation windows.How It Works: A Modern SCA Flow
Transaction Initiated
User begins a payment with amount, payee, and metadata.
Risk Evaluation (Optional)
Custom logic evaluates device, behavior, or external risk signals.
Step-Up Authentication
User approves via biometric passkey or secure push notification.
Dynamic Linking Enforced
Approval is cryptographically bound to transaction details.
Signed Authorization Completed
Tamper-proof proof of user intent is sent to your backend and payment provider.
Powering PSD2 Compliance for Modern Transaction Integrity
Secure Transaction Flows via PAR
Isolated Back-Channel Authorization
Authorization data is sent through a secure back-channel using Pushed Authorization Requests (RFC 9126). No sensitive data is exposed in browser URLs.
Orchestrated Verification via IO
Risk-Engineered Lifecycle Management
Define and run authentication flows from our central Identity Orchestration (IO) engine. Add risk checks, trigger MFA, and control logic in real time.
Structured Transaction Context by RAR
Cryptographically Bound Dynamic Linking
Rich Authorization Requests (RFC 9396) attach key details—amount, currency, payee—directly to the authentication request. This guarantees that every user approval is tightly coupled to the specific context, preventing mid-transit tampering or replay fraud.
Device-Level Signing using Mobile SDK
Out-of-Band Cryptographic Intent Proof
User approvals are signed using secure, device-bound private keys on their trusted device. This generates an isolated cryptographic signature that ensures every action is verified and tamper-proof against session hijacking or intercept attacks.
