Debit Routing and EMV 3-D Secure
Publication Date: March 2022
There is an increased interest among payments industry professionals to explore enhanced security and authentication techniques. This resource proposes a new solution concept for routing debit transactions that include EMV 3-D Secure (3DS). The EMV 3DS protocol specification facilitates cardholder authentication for card-not-present transactions, with the goal of reducing fraud.
The resource aims to:
- Help educate payments industry stakeholders on technical options for routing debit transactions when EMV 3DS is being used
- Propose a solution concept for facilitating merchant routing choice on transactions that include EMV 3DS
Please note: The information and materials available on this web page (“Information”) is provided solely for convenience and does not constitute legal or technical advice. All representations or warranties, express or implied, are expressly disclaimed, including without limitation, implied warranties of merchantability or fitness for a particular purpose and all warranties regarding accuracy, completeness, adequacy, results, title and non-infringement. All Information is limited to the scenarios, stakeholders and other matters specified, and should be considered in light of applicable laws, regulations, industry rules and requirements, facts, circumstances and other relevant factors. None of the Information should be interpreted or construed to require or promote the establishment of any solution, practice, configuration, rule, requirement or specification inconsistent with applicable legal requirements, any of which requirements may change over time. The U.S. Payments Forum assumes no responsibility to support, maintain or update the Information, regardless of any such change. Use of or reliance on the Information is at the user’s sole risk, and users are strongly encouraged to consult with their respective payment networks, acquirers, processors, vendors and appropriately qualified technical and legal experts prior to all implementation decisions.