3D Secure 2.2
3D Secure 2.2 is an important enhanced update to the 3D Secure system. It has a number of advantages for the merchant including:
- The user experience is improved. 3D Secure 2.2 provides a smoother and more seamless user experience, with fewer prompts and a faster authentication process.
- Risk-based authentication: Issuers are able to assess the level of risk associated with a transaction and adjust the authentication requirements accordingly.
- Biometric authentication: both fingerprint and facial recognition are supported, providing a more secure and convenient authentication process.
- Strong customer authentication: the requirements of the European Union’s Strong Customer Authentication (SCA) regulation are fully supported.