{"id":3330,"date":"2021-08-13T18:35:00","date_gmt":"2021-08-13T21:35:00","guid":{"rendered":"https:\/\/dev.hst.com.br\/?p=3330"},"modified":"2024-10-17T18:38:17","modified_gmt":"2024-10-17T21:38:17","slug":"emv-3d-secure-a-more-secure-rapid-and-better-e-commerce-user-experience","status":"publish","type":"post","link":"https:\/\/hst.com.br\/es\/emv-3d-secure-a-more-secure-rapid-and-better-e-commerce-user-experience\/","title":{"rendered":"EMV 3D-Secure: a more secure, rapid and better e-commerce user experience"},"content":{"rendered":"\n<p>The global pandemic and risk of in-person transactions caused e-commerce sales to grow worldwide. According to a survey by Neotrust, in 2020 more than 10 million Latin American customers made their first digital purchase. In Brazil, e-commerce experienced 57.4% growth in the first quarter of 2021 compared to the same period the prior year. With the growth of e-commerce, the need to offer a more secure, better experience for online shopping also emerged.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is EMV 3D-Secure?<\/strong><\/h2>\n\n\n\n<p>3D-Secure is a security protocol used by the main card brands created by the global technical staff EMVCo (Europay, MasterCard and Visa). The term \u201c3D\u201d refers to the three domains that communicate during a transaction: card issuer, merchant, and cardholder. Exchanging data between these three players can increase authorization approval rates, reduce fraud and provide a better shopping experience for the cardholder.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.hst.com.br\/white-label-digital-wallets-hst\/\">White Label Digital Wallets \u2013 What is it and what are the main benefits?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>EMV 3D 2.2.0 \u2013 What\u2019s the difference versus prior versions?<\/strong><\/h2>\n\n\n\n<p>In 2001, the 3D-Secure 1.0 protocol was implemented to provide better authentication for cardholders who make purchases over the internet. In 2016, the protocol was revised and 3D-Secure 2.0 emerged with the goal of providing a better user experience. The version introduced risk-based authentication, removing much of the friction that existed in the previous versions. Also, version 2.0 can support all types of mobile devices, not just desktop browsers. In 2018, the protocol moved to version 3DS 2.2.0 to offer even more features: Decoupled Authentication: allows the cardholder to be authenticated even if he is not interacting directly with the commercial establishment, for example, in the automatic renewal of subscriptions. Allowable List: allows the merchant to be included in a database so that, when the cardholder returns to the merchant, this is recognized in the risk analysis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What are the main benefits of EMV 3D-Secure?<\/strong><\/h2>\n\n\n\n<p>Overall, the EMV 3D-Secure protocol offers significant benefits: \u2013 increased e-commerce security; \u2013 increase in authorization fees; \u2013 reduction of card not present fraud (CNP); \u2013 reduced friction in the customer\u2019s checkout experience; \u2013 available for different digital platforms and channels; \u2013 protects merchants from exposure to fraud-related chargebacks.<\/p>\n\n\n\n<p>Key benefits for&nbsp;<strong>card issuers<\/strong>: \u2013 risk-based authentication: more and better data involved in the decision-making process, generating less fraud in Card Not Present transactions; \u2013 more approved transactions; \u2013 increased consumer confidence.<\/p>\n\n\n\n<p>Key benefits for&nbsp;<strong>merchants<\/strong>: \u2013 reduce purchase abandonment; \u2013 frictionless checkout; \u2013 reduced false declines.<\/p>\n\n\n\n<p>Key benefits for&nbsp;<strong>customers<\/strong>: \u2013 Improved user experience\/checkout; \u2013 easier authentication; \u2013 more confidence in every transaction.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>EMV 3D-Secure is an international security protocol to make e-commerce a better and safer experience for the consumer. So let\u2019s get a better understanding about EMV 3D-Secure and what its main benefits are!<\/p>\n","protected":false},"author":2,"featured_media":3331,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[166],"tags":[],"class_list":["post-3330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>EMV 3D-Secure: a more secure, rapid and better e-commerce user experience - HST<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hst.com.br\/emv-3d-secure-a-more-secure-rapid-and-better-e-commerce-user-experience\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EMV 3D-Secure: a more secure, rapid and better e-commerce user experience - HST\" \/>\n<meta property=\"og:description\" content=\"EMV 3D-Secure is an international security protocol to make e-commerce a better and safer experience for the consumer. 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