3-D Secure Definition.

Cardholder authentication protocol for remote card payments, specified by EMVCo (EMV 3DS 2.x; version 1 was decommissioned in October 2022). It connects the merchant’s 3DS Server, the scheme’s Directory Server, and the issuer’s ACS to authenticate the customer or apply an exemption. An authenticated transaction generally triggers a liability shift to the issuer for fraud.

See also

→ ACS→ Directory Server (DS)→ Liability shift

Where this term appears

GuideThe four-party modelGuideThe role of banksGuideMerchant, acquirer, PSPGuidePayment schemesGuidePayment regulationGuidePayments in AustriaGuidePayments in Germany, Austria, and SwitzerlandGuidePayments in Central and Eastern EuropeGuideManaging SCA exemptions: fraud rates, audits, and losing the exemptionGuidePayments in FranceGuidePayments in Hungary, Czechia, and SlovakiaGuidePayments in Spain and Portugal

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