How 3DS2 Reduces Card-Not-Present Fraud Without Hurting Conversion

Card-not-present (CNP) fraud cost Australian businesses $816 million in 2024, accounting for 90% of all card fraud on Australian-issued cards, according to the Australian Payments Network (AusPayNet). Globally, payment card fraud losses reached…
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Decoupled authentication flow in EMV 3DS

Decoupled Authentication in EMV 3DS: Use Cases and Implementation Guide

Not every payment transaction takes place in a browser with a cardholder actively waiting for an authentication prompt. IoT devices, smart kiosks, digital wallets initiating recurring charges, and voice-activated payment interfaces all create…
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3-D Secure authentication for Australian merchants

3-D Secure for Australian Merchants: What You Need to Know in 2026

Card-not-present (CNP) fraud on Australian-issued cards reached $913 million in 2024, a 20% increase year-on-year, according to the Australian Payments Network’s (AusPayNet) 2025 Australian Payment Fraud Report. CNP fraud now accounts for…
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PSD2 Europe

3D Secure and PSD2 Strong Customer Authentication: A Guide for European and UK PSPs

PSD2 SCA requires most remote card payments in the EU and UK to use at least two independent authentication factors. EMV 3DS2 is the main way to meet this for card‑not‑present transactions, via challenges or eligible frictionless exemptions.

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EMV 3D SEcire 2 Guide 2026

What Is 3D Secure? A Complete 2026 Guide for Enterprise Payment Teams

3D Secure (3DS) is a payment authentication protocol that protects card-not-present transactions by adding a real-time identity verification step between the cardholder, their issuing bank, and the merchant. 

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EMV 3DS 2.x vs 3DS 1.0: What Changed and Why It Matters

EMV 3DS 2.x replaced 3DS 1.0 by shifting from static password authentication to risk-based authentication using more than 100 transaction data elements. The result is that over 90 percent of transactions are now approved frictionlessly without customer interaction.

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The Evolution from Mobile SDK to Default SDK in EMV 3DS 

Mobile authentication has changed noticeably since the early days of EMV 3DS. The original Mobile SDK was designed at a time when device operating systems, app security frameworks, and authentication methods were developing at different speeds.…
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Payment Tokenisation: Simplifying Security in the Digital Payments Ecosystem

What is Payment Tokenisation? Payment tokenisation is the process of replacing real payment data, such as a card number, with a unique, randomly generated identifier known as a token. Unlike encryption, where data can be decoded with the…
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3D Secure Liability Shift in the United States: What’s Covered and What Isn’t

3D Secure (3DS) can move fraud liability off the merchant and onto the issuer, but only in specific cases. This article explains when liability shift applies in the US, when it does not, and what evidence your team should include when a dispute…
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