EMV 3‑D Secure (3DS) - Payment Authentication Protocol
EMV 3‑D Secure (3DS) version 2.3.2 is the payment authentication protocol developed by EMVCo to enable secure card‑not‑present (CNP) transactions. It supersedes 3DS1, offering an improved user experience, risk‑based authentication, support for Strong Customer Authentication (SCA) under PSD2, and enhanced capabilities for mobile, biometric, and tokenised transactions.
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Framework Domains (21)
Acquirer Domain
| Code | Title |
|---|---|
| 3DS2-SRV-01 | 3DS Server (Merchant Plug-In) Implementation |
Assurance
| Code | Title |
|---|---|
| 3DS2-TEST-01 | Conformance and Penetration Testing |
Authentication Flow
| Code | Title |
|---|---|
| 3DS2-CHAL-01 | Challenge Authentication Flow |
| 3DS2-EXEMPT-01 | Exemption Handling |
| 3DS2-FRIC-01 | Frictionless Authentication Flow |
Cardholder Authentication
| Code | Title |
|---|---|
| 3DS2-BIO-01 | Biometric and Out-of-Band Authentication |
Consumer Protection
| Code | Title |
|---|---|
| 3DS2-CONS-01 | Consumer Disclosure and Consent |
Cryptography
| Code | Title |
|---|---|
| 3DS2-KEYMGT-01 | Cryptographic Key Management |
Data Protection
| Code | Title |
|---|---|
| 3DS2-DATA-01 | Sensitive Data Handling |
Dispute Management
| Code | Title |
|---|---|
| 3DS2-LIAB-01 | Liability Shift Handling |
Interoperability Domain
| Code | Title |
|---|---|
| 3DS2-DS-01 | Directory Server (DS) Routing |
Interoperability and Extensions
| Code | Title |
|---|---|
| 3DS-4.1 | Directory Server Interoperability |
| 3DS-4.2 | Message Extensions |
| 3DS-4.3 | Split-SDK Specification |
Issuer Domain
| Code | Title |
|---|---|
| 3DS2-ACS-01 | Access Control Server (ACS) Operation |
Merchant Integration
| Code | Title |
|---|---|
| 3DS2-REQ-01 | 3DS Requestor Configuration |
Mobile Channel
| Code | Title |
|---|---|
| 3DS2-SDK-01 | 3DS SDK Integration (Mobile) |
Operations
| Code | Title |
|---|---|
| 3DS2-INCID-01 | Incident Response for Authentication Failures |
| 3DS2-MON-01 | Transaction Monitoring and Logging |
Protocol Conformance
| Code | Title |
|---|---|
| 3DS2-PROT-01 | Protocol Version Compliance |
Protocol and Core Functions
| Code | Title |
|---|---|
| 3DS-1.1 | Three-Domain Model |
| 3DS-1.2 | Authentication Request/Response |
| 3DS-1.3 | Challenge Flow |
| 3DS-1.4 | Data Elements |
| 3DS-1.5 | Risk-Based Authentication |
Regulatory Mapping
| Code | Title |
|---|---|
| 3DS2-SCA-01 | Strong Customer Authentication Compliance |
Risk Management
| Code | Title |
|---|---|
| 3DS2-RBA-01 | Risk-Based Authentication Engine |
SDK Specification
| Code | Title |
|---|---|
| 3DS-2.1 | SDK Architecture |
| 3DS-2.2 | Device Information Collection |
| 3DS-2.3 | SDK Security Requirements |
Security and Compliance
| Code | Title |
|---|---|
| 3DS-3.1 | 3DS Server Security |
| 3DS-3.2 | Message Integrity |
| 3DS-3.3 | Data Encryption |
| 3DS-3.4 | PCI 3DS Compliance |
Vendor Management
| Code | Title |
|---|---|
| 3DS2-VENDOR-01 | Third-Party 3DS Service Providers |
Your Compliance Coverage
If you comply with EMV 3‑D Secure (3DS) - Payment Authentication Protocol, you already cover:
Azure Security Benchmark
23%
8 controls mapped
Compare →Chile Personal Data Protection Law (Law No. 21.719)
23%
8 controls mapped
Compare →Connecticut Data Privacy Act (CTDPA)
23%
8 controls mapped
Compare →+ 621 more: CIS Controls v8 (20%), NIST SP 800-171A Rev 3 - Assessing CUI Security Requirements (20%)
See all 624 mapped frameworks ↓Maps to 624 other frameworks
Frequently Asked Questions
What is EMV 3‑D Secure (3DS) - Payment Authentication Protocol?
EMV 3‑D Secure (3DS) - Payment Authentication Protocol is a compliance framework from International (EMVCo - standards consortium) with 21 domains and 35 controls. EMV 3‑D Secure (3DS) version 2.3.2 is the payment authentication protocol developed by EMVCo to enable secure card‑not‑present (CNP) transactions. It supersedes 3DS1, offering an improved user experience, risk‑based authentication, support for Strong Customer Authentication (SCA) under PSD2, and enhanced capabilities for mobile, biometric, and tokenised transactions. It is used by organisations to establish and maintain compliance with industry standards and regulatory requirements.
How many controls does EMV 3‑D Secure (3DS) - Payment Authentication Protocol have?
EMV 3‑D Secure (3DS) - Payment Authentication Protocol has 35 controls organised across 21 domains. The largest domains are Protocol and Core Functions (5 controls), Security and Compliance (4 controls), Authentication Flow (3 controls). Each control defines specific requirements that organisations must implement to achieve compliance.
What frameworks does EMV 3‑D Secure (3DS) - Payment Authentication Protocol map to?
EMV 3‑D Secure (3DS) - Payment Authentication Protocol maps to 624 other compliance frameworks. The top mapping partners are Azure Security Benchmark (23% coverage), Chile Personal Data Protection Law (Law No. 21.719) (23% coverage), Connecticut Data Privacy Act (CTDPA) (23% coverage). Use our comparison tool to explore control-level mappings between frameworks.
How do I get started with EMV 3‑D Secure (3DS) - Payment Authentication Protocol compliance?
Start your EMV 3‑D Secure (3DS) - Payment Authentication Protocol compliance journey by running a self-assessment on our platform to identify your current compliance posture. Our AI advisory can answer specific questions about EMV 3‑D Secure (3DS) - Payment Authentication Protocol requirements, and cross-framework mapping helps you leverage existing controls from other frameworks you may already comply with. Create a free account to access all 35 controls and track your progress.
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