The Evolution of 3-D Secure: Addressing New Requirements in Payment Authentication

Fraud

Payments

MRC San Diego 2025

EMVCo

Sep 10, 2025

Presentations

The latest EMV® 3-D Secure (EMV 3DS) Specification offers features that support payments innovations, regulatory requirements and shifting consumer behaviors.

This presentation will offer a deep insight into:

Market considerations as mainstream adoption of passkeys grows.
New EMV 3DS features that help merchants support the growing popularity of recurring and instalment transactions, which streamline consumer authentication and enhance fraud prevention.
The work of EMVCo to support regional regulation, such as the European Union (EU) Digital Identity (DI) Wallet.

Key Takeaways:

Benefits of EMV 3DS for frictionless, out-of-band, recurring and instalment transactions.
The future role that passkeys could play in EMV transactions.
The specific evolution of EMV 3DS to meet expected regulatory requirements.

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