The old protocol was
ridiculously non-user-friendly

  • Some users were unable to view the 3DS
    authentication page on their device.
  • Actually see it as a security threat
  • Compatibility issues when the authentication process
    is conducted on mobile browsers.
  • They either feel it’s unnecessary and see it as
    nothing more than an irritation
  • Authorization page loading speeds cause issues
    and frustration
  • Users are not always able to identify the authenticity of the popup window,
    which would often cause suspicion and result in transaction abandonment.

We are at the dawn of a new era

  • Complete mobile integration with the development of SDK’s, allowing merchants to easily
    integrate the 3D Secure authentication process into their mobile applications
  • Merchants can ensure that the authentication process looks
    and feels consistent with the rest of the app
  • Dramatically increases the user experience on mobile devices, including
    non-browser based platforms and mobile integration
  • Biometric authentication whilst still in the merchant’s app it will
    likely just feel like a valid security measure
  • The merchant’s platform will only require additional authentication if the risk is high –
    that will happen in only a small percentage of the transactions
  • Authentication activity will be invisible to the cardholder

Did you know that...


70% of American users say security is
their biggest worry when making
mobile payments while


Mobile wallets expected to
become more popular than
debit and credit cards by 2020


50% of cybersecurity professionals are
sceptical about the safety of mobile


According to Visa, the enhanced 3DS
protocol (3D Secure 2) will reduce
card abandonment by 70% and
checkout times by 85%.

3d secure 2 IS ON THE WAY WITH:


Frictionless Flow Learn more

Frictionless Flow is perhaps the biggest improvement made to this 16 years old protocol. Thanks to risk-based authentication performed in the ACS, frictionless flow allows issuers to approve a transaction without the need to interact with the cardholder.

Non-Payment Authentication Learn more

The improved 3D Secure protocol, 3DS 2.0, will have a big impact on the payments industry, including the ability to cast a wider net in fraud prevention.
There are now more channels where the protocol can be implemented for secure transactions, including cardholder authentication without directly being linked to a payment, also known as Non-Payment Authentication. This is especially useful for e-wallets that use credit cards.


Native Mobile Integration Learn more

A big part of the development of 3D Secure 2.0 has been driven by mobile adoption. It’s rapidly becoming the largest online shopping and payments medium. Mobile Integration in 3DS2 is enabled via native mobile SDKs that are certified with EMVCo.

Authentication technology has come a long way since the days of magnetic stripes and signatures. As the way we make payments has changed, so too has the need for innovation to keep transactions secure. The vast majority of Europeans have used a mobile device to make payments, but fraud and security concerns remain the number one deterrent.

– Mike Lemberger, Visa