This risk check initiates when a shopper who has previously successfully authenticated with 3DS fits the established profile of a 'trusted shopper'. You can lower a shopper's score so that they won't be prompted for 3DS during their next transaction.
Establish a threshold for the minimum number of times the shopper has paid with strong authentication previously.
- The risk check fires on transactions after the set threshold and time. So, if a merchant sets a threshold of 2 in 90 days, the check will trigger on attempt 3 within 90 days.