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.
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.
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.
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.
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.
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.
In this Frequently Asked Question document, readers can learn more about the EMV 3DS Test Platform, product testing and approval framework.
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.
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.
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.
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.
Watch this animation to learn how EMV 3DS works, how it is used by different sectors and its future role in payment authentication.
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.