Benefits

EMV 3-D Secure 2.x provides these benefits:
  • Transactions that are more secure by providing additional data about the customer.
  • Backward compatibility. Additional data is automatically sent to issuers as they upgrade to EMV 3-D Secure 2.x.
  • Improved user-friendly shopping experience for customers, including frictionless authentication and shorter transaction times.
  • Can result in higher authorization rates.
  • Easier to upgrade to EMV 3-D Secure 2.2. Version 2.2 includes support for exemptions for PSD2. These exemptions that might allow frictionless authentication, include acquirer/issuer transactional risk assessment; white listing; low value, one leg out, and merchant-initiated transactions. These exemptions will be defined as they become available.