EMVCo Releases Guidance on Utilizing Payment Token Data in 3DS Authorization

EMVCo Releases Guidance on Utilizing Payment Token Data in 3DS Authorization

September 16, 2021

EMVCo recently published guidance for merchants and card issuers the body hopes will enable them to more effectively use EMV 3-D Secure to authenticate online transactions. The guidance provides technical details users can employ to leverage payment token data during the authentication process to help ensure those making online purchases are who they say they are.

“The use of EMV Payment Token data in the EMV 3DS authentication process further enables card issuers to make better risk-based decisions,” Robin Trickel, EMVCo executive committee chair, said in a statement. “As a result, merchants will benefit from improved transaction approval rates and a faster, more secure authentication process for their customers.”

Making payment tokens and related data available to merchants and issuers as part of 3DS authentication requests should improve decisioning on those requests, which could have a positive impact on online fraud rates for merchants.

The EMV 3DS Secure Payment Token Message Extension supports EMV 3DS v2.1 and v2.2. It is optional and does not impact interoperability, EMVCo said in the statement. The extension capabilities will be included in EMV 3DS v2.3 as part of the core specification.

Download the specifications at EMVCo's website.

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