Keyno 3DS Biometric Authentication: Real-Time Transaction Approval, Smarter Fraud Protection
July 7, 2025
Keyno’s 3DS Biometric Transaction Confirmation enables real-time, device-based authentication — allowing cardholders to approve or decline transactions instantly via fingerprint or facial recognition. This modern solution eliminates fraud, enhances customer experience, and significantly reduces costs for issuers and merchants.
3DS-Biometric Security
For years, the payments industry has relied on SMS one-time passwords (OTPs) to authenticate transactions under 3D Secure (3DS) protocols. But with rising fraud sophistication and growing consumer demand for seamless experiences, SMS-based validation is no longer enough.
Keyno’s real-time 3DS Biometric Authentication brings a smarter, faster, and more secure solution to the table. When a 3DS challenge is triggered, the Access Control Server (ACS) sends the transaction to the cardholder’s trusted mobile device. The user can then review and approve or deny the transaction using built-in biometric tools — such as fingerprint or facial recognition — right from their device. No SMS. No OTP delays.
Why it matters:
· Real-time fraud prevention: Only the legitimate cardholder can authenticate, stopping fraud before it happens.
· Reduced operational costs: Eliminates SMS delivery fees and failures.
· Enhanced security: Biometric authentication is bound to the user’s device, making it far harder to intercept or exploit.
Fully compatible with Visa and Mastercard networks, and seamlessly integrated with VCAS and Broadcom Arcot OOB Step-up flows, Keyno’s solution provides a streamlined and secure experience across both issuer and merchant ecosystems.
Keyno 3DS Biometrics is modern authentication for the modern world — protecting transactions, improving user trust, and keeping financial institutions ahead of fraud.
