EMV® 3-D Secure is Here!

Learn how EMV 3DS can help you authorize more orders and reduce fraud

Paying with credit card on mobile phone3-D Secure is a set of protocols that enables card issuing banks to validate that cardholders are who they say they are, to reduce fraud in Card-Not-Present transactions.

Each card network (Visa, Mastercard, American Express, and Discover) has their own version of 3-D Secure.


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EMV® 3-D Secure is Here!

EMV® 3-D Secure (formerly known as 3-D Secure 2.0) addresses developments in the industry over the last 15+ years. Improvements to 3DS include:

  • focusing on a better consumer experience
  • using enriched data to authenticate most transactions behind the scenes
  • enabling authentication on any device (like smartphones, tablets, and IoT devices)

The card networks and some third party industry providers (like Cardinal) have been certified by EMVCo to offer EMV® 3DS to merchants and issuers via their 3DS Server, SDK, and ACS. Cardinal is one of the only global providers to be certified for all three platforms.


Merchant-Driven Rules are Customizable by Merchant:

  • Required and optional data fields can be used to customize merchant rules
  • Merchants can pass additional data fields from the consumer, that could become a transaction rule, such as: the price of an item, a specific SKU, or shipping destination.


Merchants benefit from Cardinal Consumer Authentication in many ways:



Leveraging Data

  • Real-time collection
  • Data validation per protocol
  • Reporting & Analytics
  • BIN Detection

Risk Control

  • Merchant-driven rule management
  • Friction-free consumer experience
  • More authenticated orders
  • Regional mandates/requirement support


  • Protocol routing between 1.0 & 2.0
  • Enables 2.0 experience now
  • Engaging for Pilots with Networks, Issuers and
    Merchants pre-certification


  • Improved authentication speeds
  • BIN Intelligence & Monitoring
  • Post-Launch Authorization & Fraud Analysis
  • Reduction in false declines


How 3-D Secure Authentication Works

The issuer collaborates with the merchant to authenticate the cardholder's identity before authorization occurs. Working behind the scenes, it evaluates the relative risk of each transaction based on exchange of robust data between the merchant, issuer, and Visa.

How 3DS Works 


CCA Supports 3DS 1.0 and EMV® 3DS

How 3DS works

Cardinal data collection empowers Risk-Based Authentication, using enhanced data for risk decisioning

  • Transaction and checkout page information
  • Authentication information
  • Prior authentication information
  • Merchant risk information
  • Cardholder account information
  • Device information
  • Additional device information (directly from the browser)

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EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

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Learn more about EMV® 3-D Secure now.