# EMVCo Launches EMV 3-D Secure 2.0 Specification Author: Pal Sinha, Barnali Author URL: https://financedigest.com/author/pal-sinha-barnali Published: 2016-10-26 Category: NEWS Category URL: https://financedigest.com/category/news Meta Title: New EMV® 3DS 2.0 Specification for Secure E-commerce Meta Description: Discover how the new global specification enhances consumer authentication, convenience, and security in card-not-present transactions across all e-commerce URL: https://financedigest.com/emvco-launches-emv-3-d-secure-2-0-specificationhtml ![undefined](https://prod.superblogcdn.com/site_cuid_cm5qst7v3003gwirgwqtxn8i8/images/810-7212-499-1736844414337-compressed.jpg) _New specification to authenticate cardholders during card-not-present transactions across all e-commerce channels and connected devices promotes consumer familiarity, convenience and security_ EMVCo has published _EMV_ ® _3-D Secure Protocol and Core Functions Specification v2.0.0_(EMV 3DS 2.0 Specification). The new [specification](https://www.financedigest.com/emvco-publishes-draft-emv-secure-remote-commerce-specification-v0-9-for-public-comment.html) provides a globally interoperable framework that promotes a consistent consumer experience across all e-commerce channels and connected devices when authenticating a cardholder. The specification is available, royalty free, from the EMVCo website. 3-D Secure (3DS) is a messaging protocol that enables consumers to authenticate themselves with their card issuers when making card-not-present (CNP) purchases or verifying their identity for various [non-payment activities, like adding a payment card](https://www.financedigest.com/fingerprints-supports-two-more-biometric-payment-card-launches-in-the-mena-region.html "FINGERPRINTS’ SUPPORTS TWO MORE BIOMETRIC PAYMENT CARD LAUNCHES IN THE MENA REGION") to a digital wallet. The exchange of data between the merchant using 3DS and a [card issuer to authenticate a cardholder reduces the risk](https://www.financedigest.com/iran-deal-a-wild-card-for-oil-market-strained-by-supply-risks-reuters-poll.html "Iran deal a wild card for oil market strained by supply risks – Reuters poll") of fraud. The EMV 3DS 2.0 Specification: - [Supports specific app-based purchases on mobile and other consumer](https://www.financedigest.com/uk-consumer-industries-warn-curbing-energy-support-will-hit-demand.html "UK consumer industries warn curbing energy support will hit demand") devices, and traditional browser-based e-commerce channels. - [Improves the consumer experience](https://www.financedigest.com/improving-customer-experience-and-profits-with-embedded-payments.html "Improving customer experience and profits with embedded payments") by enabling intelligent risk-based decisioning that encourages frictionless consumer authentication. - Delivers [industry leading security](https://www.financedigest.com/industrial-cyber-security-solutions-and-services-strong-increase-in-user-base-pans-out-for-north-america-to-lead-market.html "Industrial Cyber Security Solutions and Services – Strong Increase in User Base Pans Out for North America to Lead Market") features. - Specifies use of multiple options for step-up authentication, including one-time passcodes as well as [biometrics via out-of-band authentication](https://www.financedigest.com/why-latin-america-chose-biometric-authentication-for-payment-cards.html "Why Latin America Chose Biometric Authentication for Payment Cards"). - Details functionality that enables [merchants to integrate the authentication process seamlessly into their checkout](https://www.financedigest.com/psd2-merchants-must-regain-checkout-control-through-delegated-authentication.html "PSD2: Merchants Must Regain Checkout Control Through Delegated Authentication") experiences, for both app and browser-based implementations. - Offers performance advancements for end-to-end message processing. - Adds a non-payment message category to [provide cardholder verification details to support](https://www.financedigest.com/tech-amigos-provides-unrivalled-aws-cloud-service-support-for-autorama-groups-leading-brand-vanarama.html "Tech Amigos provides unrivalled AWS cloud service support for Autorama Group’s leading brand, Vanarama") various non-payment activities. “Besides security, the [consumer experience is central](https://www.financedigest.com/analysis-consumer-boom-nearly-over-as-central-europe-heads-into-decade-of-peril.html "Analysis-Consumer boom nearly over as Central Europe heads into “decade of peril”") to EMVCo’s work,” said Jonathan Main, Chair of the EMVCo Board of Managers. “In addition to engaging with industry experts, we conducted user testing in [multiple markets](https://www.financedigest.com/the-multiple-sclerosis-drugs-market-to-sever-ties-with-mediocrity.html "The Multiple Sclerosis Drugs Market to sever ties with mediocrity") to understand consumer preferences for verifying their identity online. Feedback has been incorporated into the new global specification to also accommodate country-specific preferences and regulatory requirements.” The EMV 3DS 2.0 [Specification](https://www.financedigest.com/emvco-publishes-draft-emv-secure-remote-commerce-specification-v0-9-for-public-comment.html) received input from EMVCo Technical Associates throughout its creation. EMVCo encourages industry feedback from all parties active in this area via its Associates Programme, a participation framework that enables payment stakeholders to contribute to the outputs of the technical body. Main adds: “The new specification gives industry the flexibility to effectively support new [technology developments](https://www.financedigest.com/nano-one-awarded-10-million-from-sustainable-development-technology-canada.html "Nano One Awarded million from Sustainable Development Technology Canada") as consumer payments become increasingly digitised. We would like those [interested](https://www.financedigest.com/heightened-interest-in-global-cuisines-to-brighten-the-expansion-prospects-of-herbs-and-spices-manufacturers-industry-predicted-to-rise-at-3-6-cagr-future-market-insights-inc.html "Heightened Interest in Global Cuisines to Brighten the Expansion Prospects of Herbs and Spices Manufacturers: Industry Predicted to Rise at 3.6% CAGR | Future Market Insights Inc. ") in the evolution of the EMV 3DS 2.0 [Specification](https://www.financedigest.com/emvco-publishes-draft-emv-secure-remote-commerce-specification-v0-9-for-public-comment.html) to get involved to ensure their long-term requirements are considered for the future.” The specification is available to download from the EMVCo website and will be used by parties who wish to [develop and implement EMV 3DS 2.0 Specification compatible products](https://www.financedigest.com/tire-recycling-downstream-products-market-to-observe-strong-development-by-2019-2027.html "Tire Recycling Downstream Products Market to Observe Strong Development by 2019-2027"). In future releases, the specification will be enriched to support additional non-payment user identification and verification use cases. To learn more about the EMV 3DS 2.0 Specification, watch the EMVCo demo, listen to the webcast and read the Q&A. --- This blog is powered by Superblog. Visit https://superblog.ai to know more. ---