EMV 3-D Secure means more ways to win.
Issuers, merchants and consumers all benefit from EMV 3-D Secure in ways that go well beyond fraud protection.
For issuers, you simply can’t argue with the financial benefits achievable with EMV 3DS. With fewer occurrences of fraudulent transactions, a reduction in challenges and more true sales, issuers can reduce the operational costs of CNP fraud. More legitimate sales for merchants and better shopping experiences for consumers result in further confidence and acceptance of issuer products.
By using a variety of tools to extract EMV 3DS-generated data, merchants can analyze the shopping and buying behaviors of customers to design products, improve their business model or create a more seamless and unified commerce experience.
Shoppers also win, because the framework for digital authentication supports virtually all devices. Payments can be made via browser, in-app or with digital wallets—all with the same look and feel—resulting in a superior customer experience.
Best of all, consumers get these benefits immediately. Enrollment is automatic, so once an issuer adopts EMV 3DS, all of their cardholders are protected.