Authentication where it matters
Add an extra verification step to selected payment flows instead of relying only on authentication at login.
Payment Security & Risk Management
Transaction Level MFA
Add an additional authentication step to sensitive payments. Users can securely confirm transactions from their mobile device using biometrics or an alternative verification method.
Secure payment confirmation
Add authentication at transaction level
Transaction Level MFA adds an additional layer of protection directly to the payment flow. When extra verification is required, the user can securely confirm the transaction from their mobile device before the payment continues.
Connected web and mobile experience
Start the payment in the web application and complete authentication securely from the user’s mobile device.
Payment details before approval
Users can review important transaction information before confirming what they are authorising.
Web-to-mobile authentication
Confirm payments across web and mobile
The user starts the payment on web, receives a secure confirmation request on mobile, reviews the transaction details and completes authentication using biometrics or another available method.
1
Authentication requested
The payment flow requests additional confirmation before the transaction continues.
2
Mobile request received
The user receives a payment confirmation request directly on their mobile device.
3
Payment confirmed
The user reviews the payment details and confirms the transaction using biometric authentication.
Strong authentication
Extra protection without adding friction to every payment
Transaction Level MFA allows additional authentication to become part of the payment journey when it is required, while keeping the experience simple for the user.
Transaction-level authentication
Apply additional authentication to the transaction itself, not only when the user signs in.
Mobile biometric confirmation
Allow users to approve payments using biometric authentication supported by their device.
Transaction details before approval
Show key payment information before confirmation so users can verify what they are authorising.
Alternative confirmation methods
Support another authentication option when biometrics are unavailable or a different method is required.
One connected experience
Keep authentication inside the payment journey
Users can initiate a payment on desktop and securely complete additional authentication from the mobile application without creating a separate or disconnected approval process.
The transaction details remain part of the confirmation flow, helping the user clearly understand what is being approved.
01
Initiate
Create or review the payment in the web application.
02
Review
Open the secure confirmation request on mobile.
03
Confirm
Authenticate and continue the payment flow.
Built into your FinHost platform
Payment authentication as part of your digital banking experience
Transaction Level MFA works as part of the wider FinHost payment experience, helping fintech companies add stronger transaction authentication without creating a separate confirmation journey from scratch.
Connect authentication with your web and mobile applications, payment functionality and platform configuration to create a consistent experience across channels.
Frequently asked questions
Transaction Level MFA FAQs
Key information about transaction-level authentication across FinHost web and mobile experiences.
What is Transaction Level MFA?
Transaction Level MFA adds an extra authentication step to a specific payment or other sensitive action. It protects the transaction itself rather than relying only on authentication when the user signs in.
How does web-to-mobile payment confirmation work?
The user initiates or reviews a payment in the web application, receives a secure confirmation request on their mobile device, checks the transaction details and authenticates before the payment continues.
Can users confirm transactions with biometrics?
Yes. When supported by the user’s device and enabled in the application, the payment can be confirmed with biometric authentication. An alternative verification method can also be provided when biometrics are unavailable.
Which transaction details can users review before approval?
The confirmation screen can display relevant payment information such as the amount, currency, recipient and transaction reference so the user understands what they are authorising.
Does Transaction Level MFA apply to every payment?
It can be introduced into selected payment flows when additional verification is required. This helps strengthen security without adding unnecessary friction to every transaction.
Is Transaction Level MFA part of the FinHost platform?
Yes. It works within the wider FinHost web, mobile and payment experience, helping fintech companies build a consistent authentication journey across channels.