Payments and Fraud Glossary

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3D Secure 2.0

3D Secure (3DS) is the program jointly developed by Visa and Mastercard to combat online credit card fraud. To reflect current and future market requirements, the payments industry recognized the need to create a new 3D Secure (3DS) specification that would support app-based authentication and integration with digital wallets, as well as traditional browser-based ecommerce transactions. This led to the development of EMV 3D Secure – Protocol and Core Functions specification v2.0.0 (EMV 3DS 2.0 specification). The specification takes into account these new payment channels and supports the delivery of industry leading security, performance and user experience.