Understanding 3-D Secure, Strong Consumer Authentication (SCA) and 3-DS 2.0
Cardholder authentication programs such as Visa Secure (formerly Verified by Visa), MasterCard Identity Check (formerly SecureCode) and others, are used widely for eCommerce transactions worldwide, but adoption has lagged a bit in the United States. There are many negative opinions about 3-D Secure programs in the U.S. market and elsewhere due to issues with sales conversion and abandonment in the early years of these programs, but these are related to 3-DS 1.0. 3-D Secure 2.0, also known as EMV3-DS, was designed with these conversion issues and mobile devices in mind, leveraging passive authentication, mobile software development kits (SDKs) and more. Additionally, 3-DS 2.0 meets the two-factor authentication requirements of SCA, or Strong Consumer Authentication, satisfying compliance requirements and mandates in Europe under PSD2 as well as many countries around the globe, from Asia to Latin America. This course discusses these mandates, the evolution of 3-D Secure to version 2.0, and best practices for implementing and using these services to enjoy benefits such as fraud liability coverage, while minimizing potential negative impacts related to abandonment and sales conversion.
Attendees of this online training course should expect to be able to discuss several considerations for implementing 3-D Secure Consumer Authentication, both in the context of when it is presented and how cardholders are authenticated. This course also provides discussions on Strong Consumer Authentication (SCA) mandates related to PSD2 in Europe and in other regions, and how 3-DS 2.0 can be used to meet such requirements for payment card transactions.
This course was updated in 2020. It was updated in its entirety and renamed to reflect the evolved consumer authentication programs known as EMV 3DS or 3-DS 2.0, as well as the SCA requirements related to PSD2 in Europe and other mandates around the globe. Updates include new discussions around SCA (Strong Consumer Authentication), 2FA (two-factor authentication) and 3-DS 2.0, as well as new best practice recommendations related to implementing EMV 3DS. 3-DS 2.0 and SCA mandates are discussed including when they do and do not apply in Europe, Australia, Asia, Africa and Latin America. HTML5 - compatible with all browsers and mobile devices.
Key Concepts Covered:
After completing this course you should be able to answer and discuss the following questions:
(1) What is the 3-D Secure protocol and what procedures take place during the authentication process? (2) What's changed with 3-DS 2.0? (3) What are the benefits to merchants using 3-D Secure programs and added benefits of 3-DS 2.0? (4) What are the important considerations with respect to how 3-D Secure Authentication can be implemented by an eCommerce merchant? (5) What is Strong Consumer Authentication (SCA) and when and where is it required?
Training Objectives: (1) Understand and be able to define how 3-D Secure Consumer Authentication programs work including 3-DS 2.0 and beyond, the parties involved and each entity’s role in facilitating the authentication process.
(2) Understand the evolving role of Consumer Authentication as it applies to SCA and what has changed since PSD2 including mandates in and outside of Europe.
(3) Be able to discuss best practice considerations for implementing Consumer Authentication and SCA in terms of when it should be used and how cardholders are authenticated.
Expected time to complete training: 120-150 minutes (includes quizzes and exam)
Prerequisites: This is an intermediate level course building off fundamental information about how eCommerce credit card payments work. A solid foundation level knowledge in eCommerce payment card acceptance is strongly recommended, and these concepts are covered in the Introduction to eCommerce Credit Card Payments online training course.
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