3-D Secure: Benefits of version 2.1 and 2.2

20 October 2022 11:10

SCA has various requirements to which merchants must adhere. Once merchants have completed the upgrade from 3DS Version 1 to EMV 3-D Secure, preferably at the highest version available, they will be able to leverage the SCA requirements fully and make use of the exemptions to deliver a best-in-class payment experience for the cardholder.

Version	Features
EMV 3DS 2.1	• Support with real time dynamic linking • Mobile device compatibility • Reduction in fraud related transactions • Enhanced data sharing • Biometric authentication • Merchant Initiated Transactions (varied implementation by schemes)
EMV 3DS 2.2	All features of 2.1 plus: Additional device compatibility Further fraud reduction capabilities Trusted beneficiaries Enhanced user experience Enables smooth integration to mobile banking authentication and biometrics