Let’s explore EMV 3-D Secure

Let’s explore EMV 3-D Secure

e-Commerce sales are growing at an astronomical rate and, not by coincidence, so is card-not-present (CNP) fraud. Some estimate that CNP fraud losses in the United States alone will total $6.4 billion by 2021.

3-D Secure helps prevent unauthorized CNP transactions by requiring consumers to authenticate themselves with their card issuer during transactions. A significant change facing banks is the release of updated 3-D Secure specifications, which are intended to keep the CNP authentication protocol fit for purpose.

This paper covers:

  • A brief history of the 3-D Secure initiative
  • The main differences between 3-D Secure 1.0 and EMV 3-D Secure
  • Information on the liability shift in favor of merchants
  • An introduction to Entersekt’s unique, unified solution for 3-D Secure compliance

To download this paper, simply fill in the contact form on this page.


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Entersekt is an international software development company based just outside of Cape Town, South Africa.

We are leaders in authentication, app security, and payments enablement technology, offering a highly scalable solution set with a track record of success across multiple continents.