EMV 3-D Secure Authentication: Processes, Data, and Decisioning
EMV® 3-D Secure Authentication: Processes, Data, and Decisioning, created in partnership with Visa, is designed to help payments and fraud-prevention professionals understand how EMV 3DS supports cardholder authentication in card-not-present transactions. Follow the authentication process from checkout through issuer decisioning, understand how authentication differs from payment authorization, and explore the participants, messages, and data involved throughout the process.
MRC Members: USD $150 (plus applicable taxes)
Non-members: USD $300 (plus applicable taxes)
Through practical concepts and real-world scenarios, participants will compare frictionless and challenge experiences and examine how data quality, risk assessment, and implementation choices can influence authentication outcomes. The course also explores the connection between authentication and broader business considerations, including fraud exposure, customer experience, chargebacks, and payment performance.
By completing this course, you'll gain a practical understanding of EMV 3DS and its role in card-not-present authentication. You'll learn how authentication requests, responses, challenges, and results move through the process; understand the roles of key participants; and examine how transaction, browser, device, cardholder, and merchant information supports issuer risk assessment. You'll also explore different authentication experiences and the performance measures teams can use to evaluate their approach, including challenge rates, abandonment, false declines, and authorization outcomes.
FAQs
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- Payments and Fraud Risk Professionals responsible for evaluating authentication strategies, chargeback exposure, and card-not-present fraud controls.
- Merchant Risk and Compliance Teams overseeing EMV 3DS implementation, cardholder authentication requirements, and payment scheme rules.
- Digital Commerce and Checkout Teams responsible for the customer experience, conversion, and friction at checkout.
- Product and Engineering Teams implementing or integrating 3DS Server, Access Control Server, or Directory Server components.
- Business Leaders and Decision Makers looking to understand how cardholder authentication affects fraud exposure, customer experience, and payment performance.
- Payments and Fraud Risk Professionals responsible for evaluating authentication strategies, chargeback exposure, and card-not-present fraud controls.
- Merchant Risk and Compliance Teams overseeing EMV 3DS implementation, cardholder authentication requirements, and payment scheme rules.
- Digital Commerce and Checkout Teams responsible for the customer experience, conversion, and friction at checkout.
- Product and Engineering Teams implementing or integrating 3DS Server, Access Control Server, or Directory Server components.
- Business Leaders and Decision Makers looking to understand how cardholder authentication affects fraud exposure, customer experience, and payment performance.
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- Explain what EMV 3DS is and where it fits in the card-not-present payment process.
- Distinguish cardholder authentication from payment authorization.
- Describe the roles of the merchant, 3DS Server, Directory Server, issuer, and Access Control Server.
- Follow authentication requests, responses, challenges, and results through the EMV 3DS process.
- Explain how transaction, browser, device, cardholder, and merchant information supports issuer risk assessment.
- Compare frictionless, challenge, out-of-band, passkey, and device-binding experiences.
- Evaluate challenge rates, abandonment, false declines, authorization outcomes, and other connected performance measures.
- Explain what EMV 3DS is and where it fits in the card-not-present payment process.
- Distinguish cardholder authentication from payment authorization.
- Describe the roles of the merchant, 3DS Server, Directory Server, issuer, and Access Control Server.
- Follow authentication requests, responses, challenges, and results through the EMV 3DS process.
- Explain how transaction, browser, device, cardholder, and merchant information supports issuer risk assessment.
- Compare frictionless, challenge, out-of-band, passkey, and device-binding experiences.
- Evaluate challenge rates, abandonment, false declines, authorization outcomes, and other connected performance measures.
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- Program Level: Intermediate
- Program Field of Study: Specialized Knowledge
- Program Delivery Method: QAS Self Study
- CPE Credits:1.6
- Advanced Preparation and/or Pre-requisites: Payment Essentials: Fundamentals is recommended.
- Program Level: Advanced
- Program Field of Study: Payments, Technology, Architecture, Specialized Knowledge
- Program Delivery Method: QAS Self-Study
- CPE Credits: 3
- Advanced Preparation and/or Pre-requisites: Foundational knowledge of payments systems, APIs, and payment processing architectures recommended
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Refund Policy: Refunds and cancellations are determined on a case-by-case basis. Cancellations must be communicated in writing to programs@merchantriskcouncil.org. No refunds will be issued once a course has been started.
Refund Policy: Refunds and cancellations are determined on a case-by-case basis. Cancellations must be communicated in writing to programs@merchantriskcouncil.org. No refunds will be issued once a course has been started.
The Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: nasbaregistry.org