Data security

3D Secure 2.0. What Lies Ahead?

Digital commerce is by far one of the fastest growing parts of payments, with endless connected devices becoming tools of payment. Nowadays, customers have the largest options of payment methods ever, whether it being from a computer, a mobile application or other.

However, what happens when you go for an online transaction that asks for too much information or redirects you to external URLs that seem completely unrelated to the transaction? You drop the idea of online transactions altogether!


On the top of it, the chances of liability shift and abandoning the transaction definitely have the risk of souring our online transaction experience. Also, as a result, you tend to rely much less on such online payment procedures.

To overcome these present day digital problems, here is an elaborated attempt at answering those baffling questions rightly arising in your mind.

A strengthened authentication process to shape and change the potentiality of the future, respectively, 3D Secure 2.0 is the next-stop-shop to make payments (i.e: transactions) easier, more convenient, and more user friendly. Not only does it overcome s the traditional problems and loopholes of its predecessor 3D Secure; but it also promises a foolproof payment trend whichtrend, which, in turn, turns makes it an easy gateway for anyone dealing with online transactions, respectively.

In fact, 3-D Secure 2.0 is expected to improve security as well as increase authorizations for digital transactions.

How? You ask!

Well, in fact, it is quite simple. “The ability to go card-less while still being able to carry out your process of online transactions”.

Master Card, UnionPay, EMVCo, Discover, JCB, as well Visa, are responsible for the EMV 3DS 2.0 specification.

3D Secure has been in the picture since the 2000s but all things evolve and so did the 3D Secure. The major changes constituted in 3D Secure 2.0 for frictionless fraud prevention are the following-

  • Use of token based and biometric authentication instead of static passwords
  • Supplementary informative messages for better authentication to facilitate the process
  • Improved datasets for risk based authentication, thereby not challenging the cardholder unnecessarily
  • Preventing unauthenticated payment, even if the card is cloned or stolen
  • Mostly invisible authentication activity to quicken up the process
  • Allowing in app, digital, and mobile wallets payment methods
  • Eliminated one time passwords to make fraud impossible (unless the mischief monger has got access to your brain during your transaction)
  • Eliminating the initial sign-up process
  • No popup windows to fool proof your security vulnerabilities

With 3D Secure 2.0, the security of online purchases is going to boost up e-commerce sites’ transaction volumes for products as well as services. Having reached US $1.9 trillion in 2016 and estimated to cross over US $4 trillion by 2020, the global payment industry will reap augmented benefits.

With corresponding 3D Server and 3D Secure ACS, the convenience to go for online transactions on all the sides (such as merchants, issuers, and as well as consumers) will improve user experience drastically.

3D Secure 2.0 ACS applies multi-factor authentication, 3D secure authentication and non-3D authentication for a hassle free online experience for that will be in the best interest of all the parties involved.

The 3D Server replaces the MPIs (merchant plug ins) making in-app and authentication requests easy to complete the transaction quickly.

The issue of high cart abandonment rates shall is expected to decrease when merchants would are be able to offer easy-to-use services across multiple gateway platforms.

With a frictionless checkout experience where consumers experience less harassing authentication procedures, merchants can will finally be able to stop worrying over conversion rates for their business. And, with ‘acquirers’ using secure method to detect fraud, the overall outcome of interpoperlability of handling transactions will hopefully become a piece of cake.

If you have any questions, please ask below!