# Identity Check Express (IDCX) for merchants in India
source: https://developer.mastercard.com/authentication-solutions/product/idcx-india/index.md

### Benefits {#benefits}

Enables Merchants, Digital Wallets, and Payment Service Providers (PSPs) to provide secure and frictionless authentication services for consumers at checkout.
![Improved UX](https://static.developer.mastercard.com/content/authentication-solutions/product/images/improved_ux.svg)

###### Improved UX {#improved-ux}

Provide an improved customer experience, delivering seamless authentication.


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Offer an enhanced digital payment experience that is fast, safe and convenient.
![Cryptographic Security](https://static.developer.mastercard.com/content/authentication-solutions/product/images/cryptographic_security.svg)

###### Cryptographic security {#cryptographic-security}

Reduce fraud due to cryptographic proof of authentication.


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Help to comply with Indian e-commerce regulatory requirements.
![Enhanced Authorization](https://static.developer.mastercard.com/content/authentication-solutions/product/images/enhanced_authorization_insights.svg)

###### Enhanced authorization insights {#enhanced-authorization-insights}

Achieve faster performance for transaction authentication and receive risk-based analysis on every transaction.


<br />

Gather improved insights available to issuers in Authorization via Digital Transaction Insights (DTI).

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### How it works {#how-it-works}

#### Components {#components}

IDCX for merchants in India has three components:
![3DS Smart Interface](https://static.developer.mastercard.com/content/authentication-solutions/product/images/3ds.svg)

###### 3DS Smart Interface {#3ds-smart-interface}

Four APIs supporting a single, brand-agnostic platform using the EMV® 3-D Secure infrastructure.


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[Learn more](https://developer.mastercard.com/product/3ds-smart-interface/)

3DS Smart Interface offering for IDCX for merchants in India only supports Mastercard App-based transactions
![3DS SDK](https://static.developer.mastercard.com/content/authentication-solutions/product/images/3ds_sdk.svg)

###### 3DS SDK {#3ds-sdk}

A Mastercard licensed mobile App SDK to gather and encrypt device information per EMVCo specifications.


<br />

[View documentation](https://developer.mastercard.com/3ds-sdk/documentation/)

3DS SDK is only available as part of the bundle and cannot be used independently
![Authentication Consent](https://static.developer.mastercard.com/content/authentication-solutions/product/images/cryptographic_security.svg)

###### Authentication Consent {#authentication-consent}

An API suite to retrieve consent text, revoke and retrieve the status of an existing cardholder consent.


<br />

[Learn more](https://developer.mastercard.com/product/authentication-consent/)

#### Customer journey {#customer-journey}

For consumers, the journey is simplified and intuitive, consisting of two main steps:

1. An initial enrollment, where a cardholder is verified by their issuer and consents to risk-based authentication for transactions under 2000 INR.
2. Risk-based authentication occurs during subsequent checkouts to confirm the cardholder making the transaction is doing so from a previously enrolled device.

##### Enrollment {#enrollment}

![](https://static.developer.mastercard.com/content/authentication-solutions/product/images/registration_1.png)

##### Subsequent checkout {#subsequent-checkout}

![](https://static.developer.mastercard.com/content/authentication-solutions/product/images/returning_1.png)

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### Why use it {#why-use-it}

Indian e-Commerce is growing fast, and the customer checkout journey must modernize to keep up.

### 300+ million

online shoppers estimated in India by 2025

India Brand Equity Foundation, "India E-commerce Industry Analysis", January 2021

### $100+ billion

Indian e-retail industry projected Gross Merchandise Value (GMV) by 2025

India Brand Equity Foundation, "India E-commerce Industry Analysis", January 2021

### 20%

Up to 20 percent of mobile e-commerce transactions are abandoned mid-way

Mastercard Research, "Mastercard Launches Identity Check Express to Simplify Indian Consumers' Online Shopping Experience", August 2019

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### Use cases {#use-cases}

IDCX for merchants in India enables mobile app e-commerce purchases.
![Food delivery](https://static.developer.mastercard.com/content/authentication-solutions/product/images/food_delivery.svg)

###### Food delivery {#food-delivery}

Schedule food delivery
![Online travel](https://static.developer.mastercard.com/content/authentication-solutions/product/images/online_travel_purchases.svg)

###### Online travel purchases {#online-travel-purchases}

Purchase tickets and other travel
![Ride hailing](https://static.developer.mastercard.com/content/authentication-solutions/product/images/ride_hailing.svg)

###### Ride hailing {#ride-hailing}

Schedule a pickup
![Utilities payments](https://static.developer.mastercard.com/content/authentication-solutions/product/images/utilities_payments.svg)

###### Utilities payments {#utilities-payments}

Make utilities payments
![More](https://static.developer.mastercard.com/content/authentication-solutions/product/images/and_more.svg)

###### And more {#and-more}

And future mobile app e-commerce use cases

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### Resources {#resources}

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**Used By** **Regions**

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