The table below shows some of the SCA based benefits of the different versions of 3DS:
Version | Features |
3DS 1.0 | - Basic two-factor authentication
- Support with dynamic linking
|
EMV 3DS 2.1 | - Support with real time dynamic linking
- Mobile device compatibility
- Non-payment authentication
- Transaction Risk Analysis reduced capability
- Enhanced data sharing
- Biometric authentication
- Merchant Initiated Transactions (varied implementation by schemes)
|
EMV 3DS 2.2 | - Additional device compatibility
- Transaction Risk Analysis full capability
- Trusted beneficiaries
- Enhanced user experience
- Enables smooth integration to mobile banking authentication and biometrics
- Merchant Initiated Transactions
- 3RI Technology required for some use cases e.g. travel
|