Version 2.2 provides everything that v2.1 has, plus some other key benefits.
- Regulation flexibility, with support for SCA exemption flags and 3DS challenge indicators, and potential for control of the authentication experience; delegated authentication, where merchants with sophisticated payment systems can stand in for issuers and authenticate in some cases (permitted only in Europe now).
- Additional non-payment support, including the new 3RI (3DS Requestor Initiated) channel for non-payment authentication
- Decoupled authentication, for when the consumer is not available to participate in the authentication process (for example, for split shipments or recurring transactions)
- Expansion of 3RI
Most benefits included in version 2.2 have been designed to support the PSD2 Strong Customer Authentication (SCA) requirement in Europe, plus capabilities for non-payment support, decoupled authentication and 3RI.
Published on 13 January 2021