Tag Archive for: SDK

How an ACS Picks a 3DS Challenge Method and Renders It

Most issuers configured a 3DS challenge method once and have not revisited it. In a large number of cases that method is a passcode sent by text message, applied to everyone, on every device, in every channel. Selecting a 3DS challenge method…

The decisions EMV 3DS deliberately leaves out of scope

A standard is usually read as an answer sheet. If two products both implement it, the reasoning goes, they behave the same way, and the remaining differences are commercial. EMV 3DS does not work like that, and the places where it does not…

How the SDK and ACS interact during an app-based 3DS challenge

An app-based 3DS challenge looks simple from the outside. The cardholder taps, a screen appears, they enter a code, the payment completes. Underneath, the screen they see is the product of a negotiation that runs across four separate messages,…

What the 3DS Requestor Must Disclose Before an App Collects Device Data

Teams building app-based 3D Secure usually discover the disclosure obligations at the worst possible moment, which is during app store submission, with a release date already committed. The requirements are not onerous. They are just easy to…

How the 3DS SDK Gathers, Encrypts, and Transmits Device Data to the ACS

App-based 3D Secure has a reputation for producing better frictionless rates than browser flows, and the reason is usually given as richer device data. That is true, but it is an incomplete answer. The more interesting part is how the data…

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.…

The Booming Mobile Landscape – Battling Fraud in a Card-Not-Present World

The landscape of mobile commerce (mCommerce) is expanding at an unprecedented rate. With card-not-present transactions witnessing a remarkable 51% growth from 2019 to 2021, the convenience and accessibility of mobile shopping are more apparent…