# Visa 3-D Secure 2.0

## Payment security, evolved.

Connected devices are growing, exponentially. Consumers want to shop seamlessly and on their preferred devices. But this opportunity for eCommerce has also enticed fraudsters to go digital. Visa 3-D Secure 2.0 delivers an extra layer of security. Transactions can be approved with confidence. And consumers and merchants can shop and ship with peace of mind.

## 3-D Secure 2.0 supports eCommerce purchases.

The merchant wants to make sure it's actually Maya making the purchase and initiates authentication via 3-D Secure 2.0.

## Half of eCommerce declines are actually legitimate.

The issuer reviews the contextual data shared by the merchant.

Shared data includes type of merchandise, shipping location, and device type.

Maya’s TV is on its way.

3-D Secure 2.0 is built on a ten-fold increase in data exchanged between the merchant and the issuer.

3-D Secure 2.0 results in higher approval rates, additional fraud protection, fewer messages for speedier checkout & increased sales.

After reviewing the additional ! ! data, the issuer successfully authenticates Maya’s card and feels confident approving the transaction.

In rare instances, when the issuer wants further assurance, the cardholder may be given a simple challenge, such as a one-time password sent to their phone.