3
2
1
An authentication approval is returned to the merchant, the merchant then submits the authorization request
Decline transaction or prompt for consumer challenge
ISSUER
EMV 3DS
MERCHANT
CONSUMER
Additional authentication is required.
HIGH RISK
Authentication occurs behind the scenes. No consumer impact.
LOW RISK
Issuer rule set
Risk-scoring engine
3-D Secure authentication flow
Decline transaction or prompt for consumer challenge
An authentication approval is returned to the merchant, the merchant then submits the authorization request
HIGH RISK
Additional authentication is required.
LOW RISK
Authentication occurs behind the scenes. No consumer impact.
3
Issuer rule set
Risk-scoring engine
ISSUER
2
EMV 3DS
MERCHANT
1
CONSUMER
3-D Secure authentication flow