EMV 3DS (also known as 3DS version 2) is the new card payments industry standard and an authentication protocol for merchants to send data to issuers during a Card-Not-Present (CNP) transaction to help address false declines and lower CNP fraud while providing a better customer experience.

As the new standard passes 10 times as many data elements than the old protocol—over 40 required data elements and 150 total possible data elements – it allows Issuers to make better authorisation decisions and increase frictionless transactions It is estimated that over 90% of authentication requests on the new EMV 3DS standard will be frictionless.

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