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PSD2 Strong Customer Authentication Gate (2D)

Interactive 2D simulator of the PSD2 Transaction Risk Analysis (TRA) exemption engine: pan and zoom a live top-down payment pipeline as it applies the real RTS Article 18 fraud-rate thresholds, whitelist and low-value exemptions to route each transaction to frictionless approval or Strong Customer Authentication (3-D Secure).

Cybersecurity2DModerate60 FPS📱 Mobile-adapted⇄ 3D version

Every card payment made online in the EU/EEA passes through a risk-based decision gate before it is either waved through frictionlessly or handed off to Strong Customer Authentication (SCA) — the 3-D Secure biometric/OTP challenge shoppers see at checkout. This 2D companion renders that gate as a pannable, zoomable top-down pipeline: a live stream of payment dots, each carrying a random amount, flows toward a decision line that applies the real PSD2 RTS Article 18 Transaction Risk Analysis (TRA) fraud-rate/threshold table alongside the trusted-beneficiary whitelist and low-value exemptions, routing each transaction into a distinct colour-coded lane. Adjust the merchant's reference fraud rate, average basket size and throughput, toggle the two RTS exemptions, and watch the SCA challenge rate and frictionless rate update live — the exact trade-off between fraud exposure and checkout friction that issuers and PSPs tune in production.

⚙ Under the hood

Pan and zoom a live top-down payment pipeline as it applies the real PSD2 RTS Article 18 Transaction Risk Analysis fraud-rate thresholds, trusted-beneficiary whitelist and low-value exemptions to route each transaction to frictionless approval or a Strong Customer Authentication (3-D Secure) challenge.

psd2fintechfraud-detectionauthenticationpaymentscompliance

2D · HTML5 Canvas 2D · 60 FPS target · runs fully client-side, no install