SCA has various requirements to which merchants must adhere. Once merchants have completed the upgrade from 3DS Version 1 to EMV 3-D Secure, preferably at the highest version available, they will be able to leverage the SCA requirements fully and make use of the exemptions to deliver a best-in-class payment experience for the cardholder.
| Version | Features |
| EMV 3DS 2.1 | • Support with real time dynamic linking
• Mobile device compatibility
• Reduction in fraud related transactions
• Enhanced data sharing
• Biometric authentication
• Merchant Initiated Transactions (varied implementation by schemes) |
| EMV 3DS 2.2 | All features of 2.1 plus:Additional device compatibilityFurther fraud reduction capabilitiesTrusted beneficiariesEnhanced user experienceEnables smooth integration to mobile banking authentication and biometrics |
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