In low-risk payment scenarios, selecting and configuring multi-factor authentication (MFA) techniques requires a careful balance between security assurances and the customer experience. This article explores practical strategies for optimizing MFA so shoppers face minimal friction while merchants maintain robust risk controls. By prioritizing user-friendly methods, adaptive triggers, and transparent messaging, financial services can preserve trust and speed without compromising compliance or data protection. The following sections describe how to implement consent-based friction reduction, device reputation, and contextual risk signals to streamline payments in everyday online transactions.