3D Secure 2.0: What is it and how does it work? ✔️ PurePay
3D Secure 2.0: What is it and how does it work?

A 3D Secure protocol is the solution to many payment security issues. The improved 3DS protocol represents a step forward for e-commerce, as the old-fashioned methods of password verification have been replaced by biometrics. This payment security method is perfect for both low and high-risk industries and provides the best payment experience for customers. In this article, we discuss the key features of the latest 3DS and why they can be good for your business.

3D Secure 2.0 Protocol Specification

Biometric Authentication

You can now authenticate transactions with your fingerprint, as well as facial or voice recognition powered by the 3D Secure 2.0 technology. This method is mobile-friendly, flexible, and secured – life could never be easier. Imagine doing this from your smartphone with comfort and a high level of security to greatly reduce any fraudulent activities. Another important upgrade in 3DS 2.0 removes the pop-up payment window.

Mobile Payment

The earlier version of the 3D Secure protocol supports payment with physical cards only, but the 3D Secure 2.0 enables various methods of mobile payment, including in-app, mobile, and digital wallet ones. With this improvement and introduction of digital authentication, customers are sure to have a better and more flexible experience of payment from their mobile, tab, and other connected devices.

Frictionless Flow & Risk-Based Authentication

The 3D Secure 2.0 addresses the “authentication challenge” through effective communication from the issuer to the merchant via a directory server. The frictionless flow allows for payments without any additional authorization,thus making all transactions quick and seamless for merchants and customers. It also supports risk-based authentication when customers are asked to provide additional security information like two-factor authentication.

3D Secure 2.2 Protocol Specification

The 3D Secure 2.2 protocol combines 3D Secure 2.0 technology features with other tools that ensure better fraud protection. The protocol offers secured transactions for either the issuer or merchant. With 3DS 2.2, it becomes even easier to prevent purchase abandonment, provide a high standard of security, and make the payment process as flexible and frictionless as possible.

3D Secure Request Initiated (3RI) Authentication

With the 3RI authentication feature, merchants can initiate transactions even when cardholders are not in the session. Examples include payment of recurring bills such as electricity, TV subscriptions, and gas suppliers. In this case, the merchant can successfully carry out an online payment transaction even if the cardholder is offline.


The improved 3D Secure protocol allows for exceptions, meaning that cardholders can whitelist a trusted merchant to process payment transactions without strict customer authentication.

Delegated Authentication

The delegation feature enables an issuer to dispense with the 3D Secure process after receiving a merchant’s message confirming that a particular customer has already been authenticated.

Decoupled Authentication

The decouple authentication feature separates payment transactions from authentication and can still be done even up to a week after the actual payment. It also supports authentication via a telephone call or can be used for MOTO (Mail Order/Telephone Order).

Final thoughts

The 3D Secure protocol is easily integrated with the MPI (Merchant Plugin) to Payment Gateway Services and supported by major acquiring banks worldwide. At PurePay, we keep up with all the current trends to produce the highest quality of online transactions for our clients.

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