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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:

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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)

Course Applicability:

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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.

The Fraud Practice's Online Portal and Training Courses:

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Enroll Now for $200 This training course is available online and can be started today.

Enrollment is easy and takes just a few minutes. You'll first need an account in our online training portal which can be created here. This free account can then be used to register for any of The Fraud Practice's online training courses or Certification Tracks. With lessons available online 24x7, you are able to begin the Understanding 3-D Secure, Strong Consumer Authentication (SCA) & 3-DS 2.0 online training course immediately after enrolling.

Course Access: Unrestricted

Course Availability: Online, In-House and Webinar

Pricing & Online Enrollment: Take this course for only $200 by Enrolling Now.

We Want 100% Satisfaction: There is nothing worse than signing up for training only to find out that it wasn't on the topic you expected, or it wasn't advanced enough to provide value. If you have any doubt about the fit of a course to your particular needs, please give us a call. We will be happy to discuss the course, and to provide a more detailed overview on the content to ensure you make the most of your training dollars and time.

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The Understanding 3-D Secure, Strong Consumer Authentication & 3-DS 2.0 online training course provides an in-depth discussion on what 3-D Secure Consumer Authentication programs are, how they work, the various parties that are involved, and what has changed with 3-DS 2.0. These programs are also explained in the context of the benefits and value they provide organizations with details around implementation and liability shift requirements. Mandates and requirements for Strong Consumer Authentication (SCA) are discussed in terms of how they apply in Europe, Australia, as well as Asian, Latin American and African nations, including how 3-DS 2.0 can meet these requirements. Several considerations and best practices for methods of implementing 3-D Secure programs are discussed including key concepts such as Selective Presentment, passive and dynamic authentication.

Taking this course provides 2 Fraud Related Continuing Profession Education (CPE) credit for maintaing CFE credentials with the Association of Certified Fraud Examiners (ACFE). Find out more.

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For a merchant starting business, if they know about these training programs it would save them a lot of trouble down the road. Unfortunately many don’t learn about fraud until it is too late.

B. Holmes
eCommerce Certified Fraud Professional