Mastercard® Identity Check: Enhanced security for a better digital payment experience

Get Mastercard Identity Check for stronger authentication

Offering a secure and consistent payment experience is critical to giving customers an optimal user experience when shopping on any connected device. Mastercard Identity Check leverages the latest authentication standards of EMV® 3-D Secure (replacing 3DS 1.0) to help you do just that.

Helps eliminate unnecessary friction during authentication

Supports all card-not-present channels for secure payments on any device

Enables the exchange of richer data between you and merchants

Covers recurring payments, digital wallets, tokenisation, and more

A global network

With best-in-class fraud detection, our network facilitates a rich data

exchange and authenticates billions of secure transactions every year.

Plug-and-play biometrics

A biometric solution helps secure digital payments via strong two-factor


Ongoing innovation

We continually evolve in areas such as biometrics, risk-based

authentication, artificial intelligence, and behavioural analytics.

A simple path

Implementation process built on proven success reduces resource needs

and time to market.

Mastercard’s EMV 3-D Secure timeline

Mastercard’s roadmap defines roll-out efforts and key compliance dates


Mastercard support of early adopters


Global onboarding and EMV 3-D Secure launch

Early Adopter program concludes

Stand-In Risk Based Authentication Service (auto-enroll)


Digital Transaction Insights launches


Identity Check Program Compliance


3DS 1.0 no longer supported on Mastercard Network

With Mastercard Identity Check, you can:

  • Help reduce fraud by eliminating the risk from static passwords
  • Help eliminate unnecessary friction
  • Drive approval rates and transaction growth
  • Lower customer service costs due to fewer calls and password resets
  • Enhance loyalty and engagement with your customers
  • Provide consumers added peace of mind

Begin implementing stronger security standards today,
with Mastercard Identity Check

*Dates are subject to change