3DS 2.0

The current 3D Secure protocol (replacing 3DS 1.0). Supports rich device and behavioural data sharing with the issuer, frictionless authentication for low-risk transactions, and SCA exemptions under PSD2. Mandated for European card-not-present transactions since September 2019.

In practice.

EMV 3DS matters to merchants because it enables frictionless authentication: the issuer approves in the background using device and transaction data, without a challenge screen. In Europe it is the standard way to satisfy SCA. If your gateway still runs the first version of 3DS anywhere, expect issuers to decline more often.

Related terms: 3D Secure · SCA · Frictionless flow