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3DS (3DSecure)

Content focused on EMV® 3-D Secure (3DSecure / 3DS) authentication for card-not-present payments: core flows (frictionless vs. challenge), issuer/ACS and 3DS Server roles, data enrichment for risk-based decisions, UX guidelines, PSD2 SCA context, exemptions and liability shift considerations, plus brand programs (Visa Secure, Mastercard Identity Check, Amex SafeKey). See EMVCo specs/approvals and network program guides for implementation detail. EMVCo

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Multi-Provider Payment Gateway: Reducing Declines with Smart PSP Orchestration

Illustration of a high-risk payment gateway with smart PSP orchestration showing card, warning icon, and security shield on a monitor.
Adult, Dating Payment Insights, CBD Payment Insights, Crypto Payment Insights, Forex, CFD, Binary Options Payment Insights, Global Payment Acceptance, iGaming Payment Insights, Industry-Specific Payment Solutions, Online Payment Integration /

Declined payments are more than a technical glitch — they’re lost conversions, frustrated users, and lower LTV. In high-risk industries like iGaming, dating, crypto, and Forex, decline rates can easily exceed 30%, especially when relying on a single PSP. That’s why leading merchants are adopting multi-provider payment gateway architectures powered by smart PSP orchestration platforms. These systems intelligently route transactions, apply fallback logic, and monitor performance — all with one goal: decline rate optimization.

In this article, we show how to reduce failed payments using orchestration strategies and real-world routing logic, without rebuilding your stack.

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