MRC Online Courses

EMV 3DS Authentication Essentials

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The EMV® 3-D Secure (3DS) Authentication course is a self-paced, intermediate program covering an in-depth exploration of EMV® 3DS, a cutting-edge protocol designed to enhance security for online card-not-present (CNP) transactions.

This comprehensive course delves into the intricacies of EMV 3-D Secure (3DS) Authentication. Participants will delve into the fundamentals of EMV 3DS, understand its evolution, and examine the process flow that makes it an essential tool for modern e-commerce. The course is meticulously structured to cover key aspects of EMV 3DS, including device data collection, different types of authentication methods, and the global regulatory landscape influencing its implementation.

Who Should Enroll?

  • Payment security professionals who are involved in securing online transaction environments, including cybersecurity experts and payment gateway developers.
  • eCommerce professionals managing online retail platforms who need to understand how EMV 3DS can optimize customer experience and reduce fraud.
  • Cybersecurity experts responsible for protecting online transaction environments.
  • Compliance officers ensuring adherence to international and regional payment security standards.
  • IT and Network Security Specialists responsible for implementing and maintaining secure online transaction systems.
  • This course may also benefit financial and payment security personnel and digital payment innovators.

Program Details

  • Program Level: Intermediate
  • Program Field of Study: Specialized Knowledge
  • Program Delivery Method: QAS Self Study
  • CPE Credits: 1.0


  • Define EMV 3D Secure
  • Identify the benefits of 3DS
  • Outline the evolution of 3DS
  • Outline the process of EMV 3DS
  • Understand Device Data Collection and Method URL
  • Describe the EMV 3DS breakdown flow
  • Recognize why authentication matters
  • Define frictionless authentication
  • Define risk-based authentication
  • Define challenge-based authentication
  • Identify the global mandates of EMV 3DS
  • Understand the government mandates in place for EMV 3DS

Please allow 1-2 hours to complete this course. The course culminates with a comprehensive final assessment to evaluate the user's comprehension of the material. Upon successfully completing the final assessment, participants will be awarded a certificate of completion representing their proficiency in the subject matter.


Pricing: USD $150 (plus applicable taxes) | MRC Members receive a 50% discount on all MRC Education courses.

RAPID Edu Accreditation

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:

National Registry of CPE Sponsors logo

RAPID Edu Refund Policy

For the RAPID Edu program self-study courses, refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to Refunds will not be issued once a course is started. Additionally, courses must be completed within one year of the course enrollment date.

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