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EMV 3-D Secure Authentication: Processes, Data, and Decisioning

EMV® 3-D Secure Authentication: Processes, Data, and Decisioning — MRC course course tile developed in partnership with Visa, featuring a professional typing on a laptop with digital security icons overlaid.

This course provides a practical overview of how EMV 3-D Secure, or EMV 3DS, supports cardholder authentication in card-not-present transactions. You will follow the authentication process from checkout through the issuer's decision and learn how authentication differs from payment authorization.

 

MRC Members: USD $150.00 (plus applicable taxes)
Non-members: USD $300.00 (plus applicable taxes)   

Enroll | Members Enroll | Non-Members



As card-not-present transactions continue to represent a significant share of global commerce, merchants have more opportunities to reach customers and generate revenue. This growth also increases exposure to fraud, chargebacks, and unauthorized transactions when cardholder identity cannot be confirmed at checkout. Throughout the course, you will examine the participants, messages, and data involved in EMV 3DS, compare frictionless and challenge experiences, and explore how data quality and implementation choices can affect customer experience, fraud exposure, and payment performance.

FAQs

    • 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.

    • 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.

    • 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: Intermediate
    • Field of Study: Payment Security & Compliance
    • Delivery Method: QAS Self-Study
    • CPE Credits: 3
    • Advanced Preparation: No advanced preparation is required. A basic understanding of card-not-present payments, authentication, or fraud prevention concepts may be helpful but is not required.

  • 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.

NASBA Sponsors logo

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