1. Reduced drop-off: 3DS 2.0 recognizes that customers on mobile devices generate a lot more data points (e.g., device IDs, email addresses, billing addresses, browser information) than what was available when 3DS 1.0 was conceived. Card issuers who accept these data points can therefore make a real-time decision on whether additional customer authentication is required or not. Unlike 3DS 1.0, the additional authentication via OTP or biometrics is only requested in some instances and not all.

2. Device-specific biometric authentication: Unlike 3DS 1.0, 3DS 2.0 can replace the more intrusive OTP authentication mechanism with less intrusive biometric requests such as fingerprint or facial recognition. 3DS 2.0 is built with support for both iOS and Android mobile OS, and can determine the least intrusive authentication method on a customer-by-customer basis.

3. Compliance with PSD2 SCA: Companies doing business in Europe need to comply with PSD2 SCA requirements, which 3DS 2.0 adheres to. Therefore, many card issuers in Europe already support 3DS 2.0.

Learn more:

• What is 3D Secure?

• Does Chat 2 Pay support 3D Secure?

• How is 3DS activated on Chat 2 Pay?