EMV® 3-D Secure (3DS) is a messaging protocol that promotes frictionless consumer authentication by enabling consumers to authenticate themselves with their card issuers when making card-not-present (CNP) e-commerce purchases. The additional security layer helps prevent unauthorised CNP transactions and helps protect the merchant from exposure to CNP fraud.
The three domains consist of the merchant / acquirer domain, issuer domain, and the interoperability domain (i.e. payment systems). EMVCo has created, owns and manages the EMV® 3-D Secure – Protocol and Core Functions Specification v2.1.0 and related industry materials.
EMVCo has also made available the full EMV® 3DS Test Platform, which enables the functional testing of EMV® 3DS solutions. 3DS product providers can now confirm whether their solutions will perform in accordance with the EMV® 3-D Secure Protocol and Core Functions Specification v2.1.0, or its EMV® 3-D Secure – SDK Specification, and receive Letters of Approval from EMVCo.
Visual demonstration of how EMV® 3DS-Compliant Solutions can be implemented on a mobile device or integrated into merchant’s app. It highlights 3 possible verification scenarios: frictionless flow, one-time-passcode, and out of band.
In this webcast, recorded in October 2016, Craig Gilbert, Chair of EMVCo’s 3DS Working Group, provides an overview of EMV 3DS and shares the drivers for the new specification. Listeners will also receive insight into some use-case examples.
In this Frequently Asked Question document, readers can learn more about EMV® 3DS, the role that it plays in the payments ecosystem, and why EMVCo is involved in this area.