Adyen Released Updated Payment Authentication Platform
The new system uses machine learning to streamline global checkout processes for merchants.
Updated on Sept. 22, 2026 in Business Strategy
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Adyen has launched an updated payment authentication platform designed to replace static rules with machine learning-driven decisions. The platform manages authentication protocols and routes transactions to methods like 3DS or payment passkeys to minimize checkout friction.
Why it matters
The platform aims to reduce checkout friction for shoppers while maintaining high security and issuer approval rates. It also eliminates the operational burden for merchants currently managing multiple, disconnected authentication protocols.
Adyen evaluates more than 150 data fields for 3DS transactions and has existing records for over 90% of shoppers on its retail platform.
The players
Adyen
Adyen is a global financial technology company that operates as both an authentication provider and a merchant acquirer.
Just Eat Takeaway.com
Just Eat Takeaway.com is a leading global online food delivery marketplace that participated in the platform pilot.
Too Good To Go
Too Good To Go is a marketplace that connects consumers with businesses to sell surplus food and reduce waste.
The details
By leveraging network-wide risk signals, the platform triggers risk-based authentication and routes transactions to 3DS, Google SPA, or Visa and Mastercard payment passkeys. This dynamic approach removes the need for merchants to maintain complex, static manual rules for authentication.
Timeline
Adyen announced the platform update on September 22, 2026.
Further enhancements and global expansion are planned through 2027.
Market Landscape
This release reflects the broader industry move toward replacing legacy, static security rules with automated risk-based authentication models. By centralizing this complex infrastructure, Adyen aims to secure a competitive advantage over rivals requiring merchants to manage disparate protocols.
Customers shopping at enabled merchants may experience faster checkouts with fewer interruptions from security prompts. By reducing friction during the payment process, the platform is intended to increase the likelihood that shoppers successfully complete their intended purchases.
The takeaway
Adyen's shift toward a unified, machine-learning-based authentication system signals that manual rule-setting for online payments is becoming obsolete. Merchants prioritizing a frictionless user experience are likely to benefit from adopting automated platforms that handle complex security requirements in the background.
Further reading
For more on the latest shifts in payment processing, visit the Business Strategy section.
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Do you find the authentication steps during online checkouts make you less likely to complete purchases?
