Pay By Bank

• 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 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 seeking to understand how cardholder authentication can affect fraud exposure, customer experience, and payment performance.

• Explain what EMV 3DS is and where it fits within 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.

Throughout the course, participants will examine practical concepts and scenarios illustrating how EMV 3DS operates across the authentication process. The course considers both the technical flow of information and the broader business implications of authentication decisions, helping participants connect implementation and data choices with fraud risk, customer experience, and payment performance.

Upon successful completion, participants will receive a certificate of completion recognizing their understanding of EMV 3DS authentication processes, participants, data, decisioning, and authentication experiences.

• Program Level: Intermediate
• Program Field of Study: Payment Security & Compliance
• Program Delivery Method: QAS Self Study
• CPE Credits: 3.0
• Advanced Preparation: No advanced preparation is required. A basic understanding of card-not-present payments, authentication, or fraud prevention concepts is helpful but not required. For foundational context, consider taking our Payment Essentials course, complimentary for members.