3DS ReferenceProtocol & field guide

EMV 3-D Secure · Core specification 2.3.1.1

Account TypeacctType

Indicates the type of account. For example, for a multi-account card product.

Explore this field with transaction context

Allowed and reserved values

ValueMeaningIntroduction tag
01Not applicableNot tagged
02CreditNot tagged
03DebitNot tagged
04–79Reserved for EMVCo future use (values invalid until defined by EMVCo)Reserved
80–99DS or Payment System-specificNot tagged

Introduction tags are shown where recorded. An absent tag does not establish when a value was introduced.

Message inclusion

Baseline inclusion. Effective requirements depend on transaction context. Check the field’s conditions and FAQ qualifications; select channel and category in the explorer.

MessageBaseline inclusion
AReqConditional

Conditional inclusion — source text

Required if the 3DS Requestor is asking the Cardholder which Account Type they are using before making the purchase. Required in some markets (for example, for Merchants in Brazil). Otherwise, Optional.

Format and scope

Type: String · Length: 2 characters · Minimum length: 2 · Maximum length: 2

Source components
3DS Server
Device channels
01-APP, 02-BRW, 03-3RI
Message categories
01-PA, 02-NPA

Version history

No field introduction version is tagged in the dataset. Introduction tags are curated metadata, not a full history of changes. Compare versions and understand coverage.

Source and review status

EMV_3DS_CoreSpec_v2.3.1.1_20230530.pdf, Table A.1, PDF pages 199

Source review status: carried-forward. Carried-forward material has not acquired a new verification claim.

Source document fingerprint

EMV_3DS_CoreSpec_v2.3.1.1_20230530.pdf

6fdf0aba3fc1a765f96b74dad4069d1e189969f38f0023647021687daf589d6b

Official EMVCo specifications · Methodology and coverage limits