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3DS is an authorization tool. Most of the industry just doesn't know it yet

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Swisscard replaces OTPs to authenticate online payments
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3DS authentication under scrutiny as e-commerce stakeholders look to break data deadlock

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Global card networks, including Mastercard and Visa, are rolling out mandates to improve 3D Secure (3DS) authentication by feeding more reliable data signals into the risk engines of issuers such as banks. The move is intended to address the data stalemate between stakeholders within the financial services sector.

According to banking and payment authentication specialist Entersekt, Mastercard has introduced a new Essential Data Requirement mandate for its version of 3DS, called Identity Check, which came into effect on 1 April. Meanwhile, Visa has a similar mandate for Verified by Visa, which will reach full compliance on 24 October.

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