Understanding 3D Secure 2.0, Strong Consumer Authentication & PSD2 

Cardholder authentication programs such as Visa Secure (formerly Verified by Visa), MasterCard Identity Check (formerly SecureCode) and others, are used widely for eCommerce transactions worldwide, but adoption has lagged a bit in the United States. There are many negative opinions about 3-D Secure programs in the U.S. market and elsewhere due to issues with sales conversion and abandonment in the early years of these programs, but these are related to 3-DS 1.0. 3-D Secure 2.0, also known as EMV3-DS, was designed with these conversion issues and mobile devices in mind, leveraging passive authentication, mobile software development kits (SDKs) and more. Additionally, 3-DS 2.0 meets the two-factor authentication requirements of SCA, or Strong Consumer Authentication, satisfying compliance requirements and mandates in Europe under PSD2 as well as many countries around the globe, from Asia to Latin America. This course discusses these mandates, the evolution of 3-D Secure to version 2.0, and best practices for implementing and using these services to enjoy benefits such as fraud liability coverage, while minimizing potential negative impacts related to abandonment and sales conversion. 


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3DS 2.0, SCA & PSD2