New Case Study: A U.S. Issuer’s Experience with Visa’s IDX Solution

New Case Study: Visa’s IDX Solution

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The Sunset of EMV 3DS 2.1

EMV® 3DS 2.1 is being sunset by Visa, Mastercard, American Express, Discover, and JCB in 2024. Once the sunset happens, merchants, acquirers, and issuers will not be able to authenticate EMV 3DS 2.1 transactions through these networks.

The sunset encourages the ecosystem to migrate to EMV 3DS 2.2 – which allows for all the enhanced features EMV 3DS 2.2 has to off­er – and the potential for better results such as:

  • Ability to apply SCA exemptions using specific indicators for PSD2 in Europe. Examples include acquirer Transaction Risk Analysis (TRA), Secure Corp Payment, and Trusted Merchant Listing.
  • Biometric and out of band (OOB) authentication. EMV 3DS 2.2 helps result in a better consumer experience, delivering the lower levels of fraud often associated with SCA, while at the same time minimizing friction and abandonment rates.
  • 3DS Requestor Initiated (3RI) Device Channel. Supports payment and non-payment authentication with several different use cases including recurring, installment, add card, trusted merchant listing status check, maintain card information, account verification, and split delayed shipment to name a few.

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC