3DS 2.0 builds on the original 3-D Secure protocol, involving three domains: the merchant/acquirer, the issuer, and the interoperability domain. It enables merchants to require identity verification through a controlled authentication page managed by the card issuer or their partner. This process typically involves two-factor authentication methods such as a one-time password (OTP) sent via SMS or biometric verification in-app. For OFX, this service is provided by Cardinal Commerce via Thredd. Successful 3DS 2.0 authentication confirms that the cardholder has authorized the transaction, reducing fraud risk and chargebacks.

 

Why is this page important?
Understanding 3DS 2.0 helps customers appreciate the security measures protecting their online payments and why additional authentication steps may be required during transactions.

 

Next Steps
If you experience issues with 3DS 2.0 authentication, ensure your contact details are up to date, especially your mobile number for receiving OTPs. For company cards, coordinate with the card creator if you face authorization problems or consider creating a separate card assigned to yourself.