In India, most banks and fintech support the 3DS1 protocol but the 3DS2 protocol is already being implemented by an increasing number of financial institutes.

Needless to say, The 3DS1 protocol will soon be replaced by 3DS2 which uses advanced technology to improve frictionless authentication, UX, UI, and other objectives.

MasterCard has announced the roadmap for the latest version, 3DS V2.2 for Europe, and issuers and acquirers are required to support, implement and use this version of 3DS effectively from 14th Oct 2022.

The roadmap for V2.2 was announced in ‘AN 5762 Revised Standards for Europe Region EMV 3DS 2.2 Roadmap for Remote Electonic Transactions’ and is soon to be declared in India.

Lyra’s 3DS v2.2 solutions

Lyra’s Merchant Plug-in services are already 3-DS V2.2 compliant. The latest version of the Lyra merchant plug-in (MPI) platform will help e-commerce merchants prevent credit card fraud and boost the Digital India campaign.

The platform operates on its own MPI to facilitate 3D-secure verification. This plugin provides airtight security to the merchant banks in terms of shifting authentication to the issuer bank of the cardholder.

Lyra MPI eliminates the pain point of redirecting, improving the user experience for out-of-bound transactions.

It offers compliant authentication methods and enables issuers to fully meet the requirements of the Payment Service Directive 2 (PSD2), Strong Customer Authentication (SCA), and Regulatory Technical Standards (RTS).

Being the first of the many to offer the latest in security authentication with 3DS 2.2, Lyra will be able to help merchants with frictionless authentication and secure transactions.

A complete package of myriad features and benefits

Lyra MPI is certified with Visa and MasterCard and offers a real-time card authentication solution. It enables banks to view 3DS related communication in real-time using the Lyra web portal and provides the issuer ACS URL immediately on the portal whenever ACS is down.

With simple merchant integration, the platform also provides multi-currency and multilingual management. Above all, Lyra MPI maintains transaction integrity and offers fraud and chargeback minimization.

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