3RI

3D Secure Requestor Initiated (3RI) is a merchant-initiated authentication method within the framework that allows businesses to authenticate recurring and scheduled payments on behalf of their customers without requiring manual approval for each transaction. Unlike traditional , merchants can initiate the authentication process in the background by securely referencing an initial customer-approved transaction.

The process begins when a customer completes their first transaction using standard 3D Secure authentication, which establishes a secure foundation for future payments. For subsequent recurring charges, such as subscription renewals, installment payments, or scheduled services, the merchant can automatically initiate authentication requests through the payment network. The 3D Secure system then evaluates various risk factors, including transaction history, card details, and merchant information, to determine if the payment can proceed seamlessly or requires additional security measures.

3RI is particularly valuable for subscription services, installments, split shipments, and other recurring payment scenarios where constant customer intervention would create friction. This technology helps businesses maintain regulatory compliance with standards like PSD2's (SCA) requirements, reduce customer churn, and improve revenue retention.