Comprehensive support to address 3-D Secure Protocol
Over the next several years, eCommerce sales are expected to double their share of total retail sales. This strong growth creates many opportunities but also highlights the need for merchants to protect themselves and their customers against hacking, fraud and identity theft. Balancing fraud prevention against false declines is an increasing challenge that directly impacts revenue results, and EMV® 3-D Secure is the newest industry standard to tackle these challenges.
Just as EMV secures payments in the physical world (card and cardholder), EMV® 3D Secure is an additional authentication protocol for the digital, card-not-present (CNP) world that includes in-app, mobile and web browser purchases. EMVCo’s brand-neutral specification for EMV® 3-D Secure facilitates and encourages interoperability. Moreover, this standard supports non-payment authentication for identification & verification (ID&V), secure card on file verification, and digital enablement.
UL’s expertise in the payment industry allows us to support acquirers, issuers, product/component providers and payment service providers as they build and enhance their 3-D Secure components. From guidance during product development to our qualified test platform and approval services for EMVCo testing, we can help you build confidence and gain market access.
Training to support your 3-D Secure products
UL offers access, training, workshops (including our EMV 3-D Secure masterclass) and support during vendor selection and implementation. Our experts help you increase your knowledge of 3-D Secure and build confidence as you prepare for market access.
When considering whether to build or buy 3-D Secure components, we can guide you through the decision-making process by carefully assessing your current scenario, building a business case and planning the technical architecture. We can also support you in selecting the right vendors to help ensure they comply with your business and technical requirements.
Prepare for compliance with the 3DS protocol
UL’s 3DS Self-Test Platform is a fully configurable and versatile web-based platform designed to address your 3DS needs. It helps you test and debug your 3DS components during development and implementation and lets you verify compliance with the latest EMV® 3-D Secure protocol (v2.2) before submitting a component for approval while keeping overview and control of tests in-house.
Our 3DS Self-Test Platform provides a fully simulated merchant environment for validation across numerous payment scenarios and allows different components to be tested in a scalable and automated UI/UX environment.
Functional and security testing of your 3DS implementation helps ensure the quality of your product and verifies interoperability with other components within the EMV® 3-D Secure landscape. UL offers guidance as you move through the EMV® 3-D Secure approval process, supporting you during compliance testing activities and validating your test results as required to receive a letter of approval from EMVCo.
UL is also accredited by PCI for both PCI 3DS core and PCI 3DS SDK evaluations. In support of these offerings, we offer PCI 3DS training, workshops, gap analysis, and consulting services.
Support for the full 3-D Secure ecosystem
We understand the importance of serving the entire 3-D Secure market from an end-to-end perspective. We remain up to date with the latest EMV® 3D-Secure protocol and the UL 3DS Self-Test Platform supports all 3D-Secure components, for both v2.1 and v2.2 protocol versions. This covers all changes in the newest EMV® 3D-Secure protocol, including
- Improvements to data communication between merchants and issuers
- Improvements to the user experiences and checkout flows
- Europe’s PSD2 exemptions for Strong Consumer Authentication