3D Secure 2.1 retiring in 2024

Checkout.com would like to provide you with visibility of when 3D Secure Version 2.1 will be retired by card schemes globally. Currently we have the following dates from card schemes:

• Mastercard - September 24, 2024
• Visa - September 25, 2024

You will not be able to authenticate transactions using EMV 3DS 2.1.0 after these dates.

We will provide you with the dates from other card schemes as and when they are available.

How can we help?

The good news is, Checkout.com already offers an authentication solution today which supports 3DS 2.2.

Our flexible authentication solution utilises machine learning to optimize your customers experience and maximise your approval rates.

Key benefits include:

• Smart optimization powered by rule setting and machine learning
• Pre-built (hosted) or customizable UI (non-hosted) authentication flow
• Exemptions handling
• More detailed granular data reporting
• Support for PAN, Token, and Network Tokenization credentials

You can read more about our authentication solution here.

If you use your own solution, or one provided by a third-party, please check with your provider that they will upgrade to EMV 3DS 2.2.0 before 2.1.0 is retired.