3D Secure 2.0

3-D Secure 2.0 is the updated version of the original 3-D Secure (3DS) protocol, aiming to improve the cardholder experience during the authentication process, particularly in mobile and in-app environments.

One of the most significant enhancements is the addition of a risk-based authentication approach. This means that not every transaction will require the cardholder to provide additional authentication; instead, it will be asked for when certain risk parameters are met.

The goal is to reduce friction during the checkout process, which was one of the major criticisms of the original protocol.

3-D Secure 2.0 also expanded data sharing between merchants and issuers, enabling more informed decision-making and improved fraud detection.