Switching from Version 2.1 to 2.2 is actually very straight forward for no frills authentication. The effort comes from using features in 2.2 which are not available in Version 2.1, the most prominent of these being Merchant Initiated Transactions.
The main consideration for switching to 2.2 is how well it is supported; Endeavour provides this information in real time so our clients can only send 2.2 messages when they are supported.
Current status of v2.2
Authentication Rate for version 2.2 is higher than 2.2; V2.2 transactions have an 86% authentication success rate versus 81% for V2.1.
And how well is 3DSecure doing in general? Mastercard reports the following statistics
These statistics will vary by region.
Let's talk Authentication and Tokenization in Singapore
EMVCo and the other payment networks are collectively deprecating the 3DS v2.1 protocol to make 3DS 2.2 the default protocol and eventually phase in 3DS 2.3.1.
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