EMV® 3-D Secure Specification

EMV 3-D Secure (3DS) is a messaging protocol that promotes frictionless consumer authentication and enables consumers to authenticate themselves with their card issuer 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 (e.g. payment systems). EMVCo has created, owns and manages the EMV 3-D Secure – Protocol and Core Functions Specification v2.2.0 and related industry materials.

The EMV 3-D Secure Specification:

  • Supports browser and app-based authentication on mobile and other consumer devices.
  • Promotes an improved consumer experience by enabling intelligent risk-based decisioning that encourages frictionless consumer authentication.
  • Allows for the delivery of enhanced security features.
  • Specifies use of multiple options for step-up authentication, including onetime passcodes, as well as biometrics via out-of-band authentication flows and FIDO based consumer authentication.
  • Enhances functionality that enables merchants to integrate the authentication process into their checkout experiences, for both app and browser-based implementations.
  • Offers performance improvements for end-to-end message processing.
  • Adds a non-payment message category to provide cardholder verification details to support various non-payment activities, such as adding a payment card to a digital wallet.
  • Enables merchant-initiated transactions.
  • Supports WebAuthn (Web Authentication) and SPC (Secure Payment Confirmation) within the 3DS flow for FIDO based consumer authentication.
  • Provides multiple 3DS SDK (Software Development Kit) models for different merchant technical environments.

EMVCo has also made available the full EMV 3DS Test Platform, which enables the functional testing of EMV 3DS solutions. Letters of Approval are currently being issued for those 3DS products that have successfully tested against version 2.1.0. A list of approved products can be found on the EMVCo website. Products submitted for EMV 3DS v2.2.0 compliance testing will also be tested against EMV 3DS v2.1.0 to receive an EMV 3DS v2.2.0 Letter of Approval.


Quick Resource: EMV 3DS for E-Commerce

This quick resource provides a high-level overview of how EMV 3DS helps fight e-commerce fraud and checkout friction to support safe and convenient online shopping.

Quick Resource: How EMV Specifications Support Online Commerce

This quick resource provides a high-level overview of how EMV SRC, 3DS and Payment Tokenisation Specifications support global adoption of fraud-fighting technologies for reliable and convenient online commerce.

EMV 3-D Secure Frequently Asked Questions

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.

EMV 3DS & FIDO Whitepaper Frequently Asked Questions

In this Frequently Asked Question document, readers can learn more about how the ‘Use of FIDO Data in 3DS Messages’ white paper provides guidance to the payment industry of how FIDO data can be used by card issuers as part of their risk evaluations.

EMV 3DS Testing Frequently Asked Questions

In this Frequently Asked Question document, readers can learn more about the EMV 3DS Test Platform, product testing and approval framework.

EMV 3-D Secure - Travel Industry Message Extension Frequently Asked Questions

This document explains why a specific message extension was required for the travel industry and how it has evolved to meet the needs of this sector.

EMV 3-D Secure: Enabling Strong Customer Authentication

This webcast explores how the EMV 3DS Specification can help support retailers and the payments community in providing advanced authentication methods, enabling security and convenience for consumers while meeting regulatory requirements.

New frontiers in secure commerce: EMV 3-D Secure webinar

This webinar from the Electronic Transactions Association (ETA), recorded in July 2019, discusses how EMV 3-D Secure (3DS) is implemented in eCommerce environments and its relationship with the new Strong Customer Authentication (SCA) requirements under Payment Service Directive 2, and PCI 3DS security standards. It features Tabitha Odom, former-Chair of the EMVCo 3DS Working Group, and leading representatives from Google, CardinalCommerce and ControlScan.

Webcast: EMV® 3DS 2.3: Fighting Fraud and Friction

EMV® 3-D Secure (EMV 3DS) version 2.3 introduces additional authentication approaches that enhance security and fraud prevention. In this webcast, EMV 3DS Working Group Chair, Elint Chu, explains key updates in this version, including how it provides streamlined consumer authentication to minimise friction and optimise the payment experience.

Animation: What is EMV® 3-D Secure?

Watch this animation to learn how EMV 3DS works, how it is used by different sectors and its future role in payment authentication.

Webinar: Enhancing EMV® 3DS for eCommerce: Fighting Fraud and Friction

EMVCo has published an enhanced EMV® 3DS Specification v2.3 to support more secure and convenient e-commerce authentication. This webinar provides an overview of EMV 3DS and introduces the new functions that version 2.3 will enable.

EMVCo, FIDO Alliance and W3C Roundtable: How do EMV® 3-D Secure and Secure Payment Confirmation Work Together?

EMVCo hosted a roundtable webinar with FIDO Alliance and W3C to talk about their collaboration through the Web Payment Security Interest Group and discuss the role of EMV® 3-D Secure (EMV 3DS) and Secure Payment Confirmation (SPC) technologies in shaping the future of web payment security.

Trademark & Assets

EMV Trademark Usage Guidelines

These guidelines define acceptable use for the EMV® Mark in printed and on-screen applications.