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Risk based authentication

BORICA AD enables the usage of risk based authentication (RBA) with the following results:

  • Allow – direct approval (frictionless process);
  • Challenge – detailed identification of the client’s identity is required;
  • Decline – rejected transaction.

Applying the RBA and risk rules enables you to take advantage of the advanced and improved capabilities of our new 3D Secure solutions, providing you with the following benefits of e-commerce transactions:

  • Meeting the requirements of the international card organizations and implementing the options provided for in Articles 10 to 20 of Regulation (EU) 2018/389
  • Increasing customer satisfaction by applying the so called frictionless process for low risk transactions that does not require cardholder authentication
  • Increasing the security level by introducing appropriate restrictions on Issuing and Acquiring e-commerce transactions


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41 Tsar Boris III Blvd.
1612 Sofia
e-mail: office

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