3ds-test-flow-reference

Overview

3-D Secure (3DS) is the EMVCo-specified card-authentication protocol. Per emvco.com, 3DS 2.x is the current spec (cite by stable ID: EMV 3-D Secure Protocol Specification v2.x); 3DS 1.0 is deprecated.

When to use

• Designing test coverage for a payment integration handling 3DS.
• Auditing existing 3DS flow implementation.
• Investigating "customer says 3DS challenge looked broken" reports.
• PR review of payment-redirect flows.

The three flow outcomes