3D Secure 2.0

Provides an enhanced data stream between issuers and merchants to better inform decisioning

Increase authorization rates, reduce CNP fraud, and provide a better customer experience

Benefits at a glance:

Higher authorization rates
Liability shift
Interchange reduction
Reduced false declines / fraud


Banking and commerce activity is increasingly originating from digital endpoints. While this represents new and interesting opportunities for engagement, these digital channels also require a robust and evolving set of fraud detection, authentication, and authorization mechanisms. The big challenge facing issuers is how to detect the bad activity and minimize false declines while also providing a positive customer experience.

3D Secure 2.0 can help issuers address both false declines and rising CNP fraud. It is a protocol that enables issuers to perform additional risk assessment at the time of a digital transaction and prompt the customer for additional authentication if the transaction appears risky. Issuers rely on access control server (ACS) technology provided by vendors for this advanced risk scoring; the benefit of 3D Secure 2.0 versus the initial version of 3D Secure is the vastly enhanced data that it supplies the engine.

Objectives of 3D Secure 2.0

  1. Support authentication based on data elements shared through the protocol with focus on a frictionless shopping experience for the cardholder.
  2. Make the message interface and authentication flows amenable to mobile platforms (multi-device, device agnostic, multi-channel, etc.)
  3. Make the technology future proof with support for digital wallets and other forms of digital payments.
  4. Align to country specific and regulatory requirements.
  5. Move from static authentication to dynamic authentication when necessary.

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