What is 3D Secure 2.0?

October 3, 2020

As digital payment becomes standard among consumers, increasing measures have been taken to reduce fraud.

3-D Secure (3DS) enables self-authentication with card issuers when card-not-present (CNP) transactions occur. The globally interoperable framework also enables identity verification for non-payment activities, such as adding new payment methods to digital wallets.

What it Offers

3DS acts as a buffer during the exchange of data between merchants and card issuers, with the EMV 3DS 2.0 Specification offering an array of compatible features:

  • Supports specific in-app purchases on mobile devices and browser e-commerce channels, among others.
  • Improves UX through intelligent ‘risk-based’ calculations that encourages frictionless consumer authentication.
  • Delivers industry leading security features
  • Specifies step-up authentication options, including one-time passcodes and biometrics via out-of band authentication

  • Outlines functionality that enables merchants to integrate authentication processes into checkout experiences with ease
  • Offers the latest in end-to-end messaging
  • Adds a non-payment message category, enabling various non-payment activities

The architects of the revamped 3D-Secure structure are confident with the newly integrated changes:

“Besides security, the consumer experience is central to EMVCo’s work. In addition to engaging with industry experts, we conducted user testing in multiple markets to understand consumer preferences for verifying their identity online. Feedback has been incorporated into the new global specification to also accommodate country-specific preferences and regulatory requirements.”

To learn more, including access to EMVCo webcasts and Q&A, check out EMV 3D-Secure.

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