Identity & Onboarding

What is step-up authentication?

A risk-based security approach where additional verification is required only when a transaction or action exceeds a defined risk threshold, rather than applying the same level of friction to every interaction. Step-up authentication dynamically adjusts the verification requirements based on contextual risk signals, balancing security with user experience.

How it works

Example: A customer makes routine purchases under $100 without any additional verification. When they attempt to change their account’s linked bank details, the system triggers step-up authentication requiring biometric verification and a one-time SMS code.