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

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