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All card brands – sunset of 3DS 2.1 and support for 3DS 2.3.1
All card schemes have now ended support for EMV 3DS 2.1.
Key Dates
24 September 2024 |
Support for EMV 3DS 2.1 in transaction processing ends |
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24 September 2024
Support for EMV 3DS 2.1 in transaction processing ends
After 24 September 2024, no transactions authenticated using EMV 3DS 2.1 will be processed.
In addition, Mastercard has also announced a requirement to support extra EMV 3DS features:
- All ecommerce businesses must support and perform authentication app re-direction through the merchant app, the 3DS SDK and EMV 3DS v2.2 transactions if the cardholder authentication method is out of band (OOB).
- 3RI payments are optional, however they offer you the ability to system-generate a payment transaction when the cardholder is not in session. These transactions are used when there is an initial purchase while the cardholder is in session, called consumer-initiated transaction (CIT), followed by subsequent transactions that are 3RI merchant-initiated transaction (MIT). With 3RI payments, you can keep your fraud liability protection for the full amount authenticated by using the DS Transaction ID field. This proves that strong customer authentication (SCA) was used when the customer was involved
In addition to the sunset of EMV 3DS 2.1, a number of card schemes have indicated they intend to support EMV 3DS 2.3.1 during this year and have urged participants to prepare to start authentication using EMV 3DS 2.3.1.
What you need to do:
If you are experiencing transaction declines when processing using EMV 3DS 2.1, contact your gateway support team urgently to make sure they are correctly supporting EMV 3DS 2.2 in line with the card scheme rules, and that they are aware of the sunset of EMV 3DS 2.1.