EMV 3DS allows for risk-based authentication, enabling merchants to tailor the level of security based on transaction risk factors. Low-risk transactions can be streamlined, while high-risk ones receive more stringent authentication. This flexibility allows merchants to balance security with a smooth user experience.

This new-and-improved version of the 3DS protocol introduces a number of improvements relative to 3DS 1.0: EMV 3DS offers an enhanced data stream between issuers and merchants to better inform authentication and authorization decisions. EMV 3DS expands the protocol beyond the browser into the mobile app environment.

The EMV 3DS protocol helps make internet card payments more secure, while achieving a better balance between security and customer convenience by letting the card issuer know more details about the intended purchase.

3D Secure (3DS) is an authentication method that provides an additional layer of authentication for credit card transactions, protecting against fraudulent actors. 3DS asks your customers to verify their identity with the card issuer during payment.