The card networks are addressing issuer adoption of version 2.2 slightly differently:
From 14 September 2020, Visa has required that all issuers in Europe must support EMV 3DS v2.1 and v2.2.
Mastercard requires all acquirers and issuers in the EEA support EMV 3DS v2.1 (or alternative SCA solutions) and the message extension fields by 1 July 2020.
The other reason issuers (as well as merchants and acquirers) should make plans to upgrade to EMV 3DS version 2.2 is because future versions will build on versions 2.1 and 2.2. That means when version 2.3 comes out (specs expected to be released in early 2021), before an issuer or a merchant can take advantage of the benefits of that version, they will need to do the work to get versions 2.1 and 2.2 in place.
Published on 13 January 2021