Sarah Fowle

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Activity overview

Latest activity by Sarah Fowle
  • Sarah Fowle created an article,

    3DS Continuation Requests

    On completion of the 3-D Secure authentication, the ACS will send the challenge results to thethreeDSRedirectURL provided in the initial request using an HTTP POST request. The contents ofthis POST...

  • Sarah Fowle created an article,

    Transaction Response Codes

    This article gives an overview of the different codes that can be returned for a transaction, along with a description of the error. The codes are grouped by the type of response: Title HEX Su...

  • Sarah Fowle created an article,

    Why does EMV 3DS really matter?

    The main reason that EMV 3DS is so important is because of false declines. False declines can happen when merchants and issuers are fearful of fraud losses. If there is a chance that a transaction ...

  • Sarah Fowle created an article,

    Do issuers have to upgrade to version 2.2 and do they need to be ready by a certain date?

    The card networks are addressing issuer adoption of version 2.2 slightly differently: Visa From 14 September 2020, Visa has required that all issuers in Europe must support EMV 3DS v2.1 and v2.2. M...

  • Sarah Fowle created an article,

    Why do VISA suggest their EMV 3DS version 2.2 is important?

    Visa's version of 3DSv2.2 was designed with European regulation in mind. Some of the main features are: 1. The ability to apply SCA exemptions, like Transaction Risk Analysis (TRA) using specific i...

  • Sarah Fowle created an article,

    How are the card networks approaching EMV 3DS?

    Visa Visa's approach is to activate EMV 3DS by region. They activated it in the EU April 2019, Latin America and Canada August 2019, the Asia Pacific and the Central Europe-Middle East-Africa regio...

  • Sarah Fowle created an article,

    What additional benefits are available with 3DS v2.2?

    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...

  • Sarah Fowle created an article,

    What are the benefits of 3DSv2.1?

    What is 3DSv2.1? Version 2.1 is the first version of version 2 available. Version 2.0 was mentioned previously but never was officially in production. What benefits does 3DSv2.1 provide? Version 2....

  • Sarah Fowle created an article,

    How to flag stored credentials?

    What are stored credentials? To make sure merchants use their customers’ details responsibly, Visa and Mastercard haveintroduced a new framework for the storing of card details and new rules for an...

  • Sarah Fowle created an article,

    3DSv2 MMS Preferences

    3DSv2 settings are found under the 3DS Checks and PDS2 tabs of the Preferences section in the MMS. In addition to the previous 3DSv1 settings available, Merchants can now choose their 3DS policy, 3...