Improving the conversion rate in e-commerce checkouts is a top priority for every merchant. With increasing numbers in online payments, consumers demand fast and easy, yet secure services. In Europe, the Payment Services Directive 2 (PSD2) protects consumers from unauthorized online payments with their credit or debit card. The hard enforcement of the PSD2 Strong Customer Authentication (SCA) requirements begins on 31 December 2020 in most EEA countries. Furthermore, the Mastercard Identity Check program mandates that the error rates from 3DS 2.x authentications are below 1%.
Mastercard partnered with Netcetera to help merchants become ready for EMV® 3DS 2.x requirements and the Mastercard Identity Check program. The test program runs on the Netcetera 3DS Access Control Server (ACS) that is certified to the latest 3DS 2.2 standard. Merchants are able to test different transactions in the live system, directly in their online shop, with test cards from Mastercard. There are 19 different test cases including frictionless flows, challenge flows through different channels, or exemptions from SCA. With these tests, they can detect if their 3DS implementation complies with the EMV and Mastercard requirements. They can easily detect the reasons for errors and eliminate them where possible to improve the approved transaction rate.
Christopher Omloo, responsible for the Secure Digital Payment Business Development at Netcetera, says: “As an early adopter, our 3DS product portfolio is always among the first to comply with the latest 3DS protocols. Therefore, we are very happy to team up with Mastercard to further improve the quality of payment transactions for merchants.”
Michael Sass, Vice President Product Management Security Solutions at Mastercard adds: “It is critical that retailers and other businesses prepare now to be able to continue offering their customers the best shopping experience once the new regulatory requirements have become effective at the end of the year. This testing platform is a significant step in helping them prepare in the most efficient way.”
EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.