E2 Card-not-present: 3-D Secure and tokenization

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Lesson E2: 3-D Secure, ECI and CAVV, network tokens and their cryptograms, card-on-file, EMV QR.

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The opening of the lesson

Why it matters

Online, there is no chip and no PIN pad: anyone with a card number, expiry and CVV2 can try to pay. Most card fraud is card-not-present. Two tools fight back:

3-D Secure authenticates the cardholder with the issuer.
Network tokens replace the card number with a value that is useless elsewhere.

Merchants, gateways and acquirers must carry their results correctly in the authorisation.

In the full lesson

The concept
In the real world
Common mistakes
What to test

What module E2 covers →

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