Offline dynamic data authentication (SDA) card authentication is a protocol for verifying that an EMV card is legitimate.

Offline card authentication is performed without an internet connection. EMV cards are pre-loaded with digitally-signed certificates and keys. Terminals have complementary keys provided by accepted payment brands at the time of terminal configuration.

DDA is similar to SDA, but it uses a unique signature and unique data for each transaction.

DDA offers greater protection against fraud from card skimming or certificate cloning.

Interested in EMV compliance?

Host Merchant Services offers EMV solutions for business owners. If you’re interested in getting a head start on the rest of the U.S. market, contact an HMS sales representative today and ask about our EMV-compliant equipment and processing options.

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