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PSD2 Strong Customer Authentication Engine

Interactive 3D simulator of the PSD2 Transaction Risk Analysis (TRA) exemption engine: watch payment transactions flow through a live risk-based decision gate that grants frictionless approval or triggers Strong Customer Authentication (3-D Secure), exactly as European card issuers implement the RTS Article 18 fraud-rate thresholds.

Cybersecurity3DModerate60 FPS

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 simulator renders that gate in 3D: a live stream of payment particles, each carrying a random amount, flows toward a decision plane 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

Watch payment transactions flow through a live 3D risk-based decision gate that applies the real PSD2 Transaction Risk Analysis fraud-rate thresholds, whitelist and low-value exemptions to decide frictionless approval versus Strong Customer Authentication (3-D Secure).

psd2fintechfraud-detectionauthenticationpaymentscompliance

3D · Three.js / WebGL renderer · 60 FPS target · runs fully client-side, no install