e-Commerce
Passwordless checkout and risk-based verification that reduces password resets and SMS spend without exposing stored payment details.
The challenge
Password resets and SMS one-time codes are both a conversion tax and a running cost, yet removing verification entirely leaves account takeover and stored payment details exposed at checkout. Retailers need login and checkout to feel effortless for a recognised, low-risk customer while still raising the bar the moment something looks unusual.
QR-based and in-store-to-online payment flows add a further wrinkle, since they need the same underlying assurance as a web checkout but through a different interaction pattern. Achieving this without re-platforming an existing identity or checkout stack is the practical constraint most e-commerce teams operate under.
Key use cases
Go passwordless at login and checkout
Drop-in passkeys replace password-and-OTP flows for returning customers, cutting the number of steps between arriving at the site and completing a purchase, while pre-built UI components keep integration effort manageable for the storefront team.
Risk-based verification instead of uniform OTP
Rather than sending every customer a one-time code at every login, adaptive rules assess device, location and behavioural signals and reserve a challenge for the transactions that actually carry risk — a new device, a new shipping address, an unusually large order.
Account takeover and credential stuffing defence
Passkeys and behavioural signals reduce the effectiveness of automated credential-stuffing attempts against customer accounts, which is one of the more common routes to abusing stored payment methods and loyalty balances on retail platforms.
QR code payment security
Where checkout or top-up happens through a QR code — in-app, in-store or cross-device — the same adaptive MFA and passkey approach is applied so the transaction is verified against the account holder rather than trusted purely by possession of a scanned code.
Reducing SMS cost and failure
High-volume retailers replace a portion of SMS OTP traffic with WhatsApp OTP and passkeys, lowering messaging spend and reducing the login failures that come from delayed or undelivered text messages during peak trading periods.
Core capabilities
Passkey-based login and checkout
Removes password entry and SMS codes from the returning-customer journey while remaining phishing-resistant.
Adaptive, risk-based challenges
Verification is triggered by context — new device, new address, order value — rather than applied uniformly.
QR payment verification
Adaptive MFA extends to QR-initiated payment and top-up flows across app, web and in-store touchpoints.
Fallback design
Recovery paths are designed so account recovery is not left as the weakest point in an otherwise strong flow.
Conversion and friction reporting
Journey-level analytics show where challenges are triggered and how they affect completion rates.
Returning customer checkout
A recognised customer on a known device opens the app and checks out with a passkey — no password, no SMS code, and no interruption to the purchase flow. The same evening, an attempt to check out on that account is made from a new device, using a shipping address that has never been used before. The adaptive rules engine recognises the change in context and requires a verification challenge before the stored payment method can be used, rather than allowing the order to proceed on the strength of a valid session alone. The retailer's fraud team can see exactly which signals triggered the challenge and adjust the sensitivity of the rule if it proves too strict or too lenient over time.
Expected outcomes
- Reduced checkout abandonment from password resets and OTP delays
- Fewer successful account-takeover attempts against stored payment methods
- Verification concentrated on genuinely unusual transactions
- Lower SMS messaging cost during peak trading periods
- A consistent verification approach across web, app and QR-initiated payments
How CyberLane helps
CyberLane works with e-commerce teams to identify where checkout friction and fraud exposure actually overlap, then designs adaptive rules that protect stored payment details without slowing down trusted, repeat customers. We advise on requirements, integration approach with the existing checkout and identity stack, and the business case for a phased passkey rollout, before planning a proof of concept and overseeing delivery alongside Authsignal or an implementation partner.
- Checkout and login friction assessment against fraud exposure
- Adaptive rule design for new-device and new-address scenarios
- QR payment verification workflow design where relevant
- Business case and phased passkey rollout plan
- Proof-of-concept scoping and delivery oversight
CyberLane is independent and works on the decision rather than the deployment. Product-specific delivery is coordinated with the vendor or a qualified implementation partner.
Official vendor sources
- Authsignal — e-Commerce
- Authsignal — QR code payments
- Authsignal — Go passwordless
- Authsignal — SMS cost optimisation
Capability descriptions are based on the vendor's published materials; CyberLane's wording is independently written.
Evaluating Authsignal for e-Commerce?
We start with an independent conversation about where your exposure actually sits, before any technology decision is made.