3DS ReferenceProtocol & field guide

EMV 3-D Secure · Core specification 2.3.1.1

Cardholder Information TextcardholderInfo

Text provided by the ACS/Issuer to Cardholder during a Frictionless or Decoupled transaction. The Issuer can provide information to Cardholder. For example, “Additional authentication is needed for this transaction, please contact (Issuer Name) at xxx-xxx-xxxx” with optionally the Issuer and Payment System images. Refer to A.20 for UI example.

Explore this field with transaction context

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
AResConditional
RReqOptional

Conditional inclusion — source text

Required if ACS Decoupled Confirmation Indicator = Y Otherwise, Optional for the ACS.

Related condition fields: acsDecConInd.

Scoped FAQ qualifications

  • FAQ 27 — Applicable object-bearing protocol versions

    Only when the parent JSON object is present

    Evaluate nested presence conditions when the parent object is present. In multiTransaction, merchantList is required when the object is supplied; merchantAmount remains optional.

    EMVCo_3DS_Specification_FAQs_8-April-2026.pdf, page 9

  • FAQ 73 — Applicable object-bearing protocol versions

    An optional or conditionally optional field is sent empty

    An empty optional field produces error 203 under Req 309. When the empty JSON object contains mandatory data, error 201 may be returned.

    EMVCo_3DS_Specification_FAQs_8-April-2026.pdf, page 23

Format and scope

Type: Object · Length: Variable

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

Object members

Nested presence rules apply when the parent object is supplied. These structures include carried-forward curation; consult the source for full conditions.

source — Source

ValueMeaningIntroduction tag
013DS ServerNot tagged
02DSNot tagged
03ACSNot tagged

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

Version history

Field introduction tag: 2.1.0. 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 225

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