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3DS: Benefits of version 1.0, 2.1 and 2.2

The table below shows some of the SCA based benefits of the different versions of 3DS:

VersionFeatures
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