EMV 3DS
EMV 3-D Secure

Publication Date: March 2020

Over the past three years, the buzz in the card-not-present (CNP) payments industry has been about the new EMV® 3-D Secure (3DS) protocols.  However, the market may not be fully aware of exactly what EMV 3DS is and how it can help reduce fraud in the payments ecosystem.  This U.S. Payments Forum CNP Fraud Working Committee white paper describes the differences between EMV 3DS and previous 3DS versions, discusses the new EMV 3DS features, and provides an overview of the data and transaction process.

EMV 3-D Secure provides a risk-based model for customer authentication with a significantly improved customer experience compared to previous 3DS versions. It also extends capabilities to mobile transactions in addition to web. The white paper will give merchants and issuers a better understanding of what EMV 3DS is and how it can help reduce fraud in the payments ecosystem.

This resource:

  • Provides a timeline on the development of the 3DS protocol and differentiates between previous and current versions of the protocol
  • Explains the benefits of EMV 3DS
  • Defines terminology commonly associated with EMV 3DS
  • Discusses the latest improvements and attributes of the 3DS protocol, including enhancing the customer experience, providing universal device support, allowing greater data sharing and supporting added elements to meet regulations for strong customer authentication
  • Outlines the transaction flow with 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.

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