Based on strong authentication, 3DSA 2.0 has been designed to significantly improves the cardholder experience and enhance the security of digital transactions and simplify the customer experience on mobile, tablet and other currencies. 

                    : 3D Secure 2.0 Changes Everything

Payment card issuers, merchants, acquirers of card transactions from merchants, and acquirers of card transactions at automated teller machines (ATMs) incur losses to fraud. In 2016, gross fraud losses reached $22.80 billion, up 4.4% over 2015. SourceThe Nelson Report.


To encourage the continued growth of ecommerce, merchants and issuers around the globe need intelligent tools to distinguish between good and bad transactions, all while minimizing disruption to consumers at checkout and overcome some of the concerns with the existing authentication procedures.


With the ecommerce landscape changing massively in the years since its release, EMVCo* has released a new specification, referred to as 3-D Secure 2.0. This includes updates and enhancements to address the need for a more seamless online payment experience for consumers, while accommodating new devices and ways to pay.



By facilitating a greater exchange of data between merchants and issuers, 3-D Secure 2.0 is built to help the industry deliver a globally interoperable and better user experience, as well as enable increased use of risk-based and dynamic authentication.

3-D Secure 2.0 is built around the increasing popularity of mobile commerce.


Ecommerce authentication gets a major makeover and 3D Secure 2.0’s impact on the financial industry will be one of the most significant in recent years. Compared to 3-D Secure version 1, 3-D Secure 2.0 improves authentication possibilities to allow merchants to move closer to frictionless checkout experiences for their customers, with new intelligent risk-based possibilities, as well as enhanced security, performance, and flexibility for both application and browser driven payments.

In addition, 3-D Secure 2.0  support new attributes to drive the fraud prevention, including support for non-payment use cases such as identity verification when an individual adds a payment card to his or her digital wallet. 

This New industry specification for authenticating online transactions will bring benefits for everyone and sets the stage for smarter products and services. Merchants will have the ability to better integrate the authentication process into the shopping experience, providing a more user-friendly authentication experience, which can translate to higher conversion rates and increased sales. 

So, what are the best choices and consequences of migration?





With 3DSA 2.0, FIDO Certified strong and robust payment and identity authentication Products suite, TRUXTUN Capital launches a key initiative to add convenience and security to in-web, in-store and in-app EMV-compliant card and mobile payments. 

*EMVCo exists to facilitate worldwide interoperability and acceptance of secure payment transactions. It accomplishes this by managing and evolving the EMV® Specifications and related testing processes. This includes, but is not limited to, card and terminal evaluation, security evaluation, and management of interoperability issues.Today there are EMV Specifications based on contact chip, contactless chip, common payment application (CPA), card personalisation, and tokenisation.


This work is overseen by EMVCo’s six member organisations—American Express, Discover, JCB, Mastercard, UnionPay, and Visa—and supported by dozens of banks, merchants, processors, vendors and other industry stakeholders who participate as EMVCo Associates.

3D Secure 2.0

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