Mastercard PSD2 Merchant Testing

Be ready for EMV® 3DS 2.x and Mastercard Identity Check. Test different cases and detect the reasons for error rates in order to eliminate them.

Provide your customers with the best user experience by ensuring your EMV® 3DS authentications are error free and optimized to achieve highest approval rates. (Please see Mastercard’s announcement AN-3825)

Striving to improve the conversion rate in digital payment transactions is “a must” for every merchant that wants to provide best-in-class services to its customers. With the increase of online payment, consumers demand fast and easy, yet secure services.

In Europe, the Payment Services Directive 2 (PSD2) protects the consumer from unauthorized online payments with their credit or debit card. The hard enforcement of the PSD2 Strong Customer Authentication (SCA) requirements is set to 31 December 2020 for most of the EEA countries. Furthermore, the Mastercard Identity Check mandates that the error rates from 3DS 2.x authentications be below 1%. (Authentication Guide for Europe, Authentication Best Practices)

Netcetera is happy to team up with Mastercard

To run the tests, you will be using our 3DS Testing Platform based on Netcetera’s state-of-the-art ACS service.

There are 19 different test cases including frictionless flows, challenge flows through different channels, exemptions from SCA, CoF addition (3RI or Non-Payment authentication) and SCA requested by the merchant. Refer to the Merchant Test Result Matrix for details about each test case, the scenario description and flagging, test card number, and PASS criteria. The column “Test account” in this matrix represents the test card number, while the remaining columns describe how the test should be conducted, and what are the expected responses.

How to register?

  • This is the first step. Please make sure that you have the Merchant ID and Acquirer BIN* at hand, as they are mandatory fields in the registration form.
  • To complete the registration, you will receive a verification link by email, which you need to confirm within two hours in order to activate your account.
  • By registering to the 3DS Testing Platform, you agree to the Privacy Policy regulating the rights for processing the registration data you have provided.

How to use it?

  • To complete each test case, please use your website or app based shop with the test card numbers provided by Mastercard.
  • During real time testing you can get an instant detailed view of the transaction results, and analyze text case successes and failures.
  • If you have questions, please contact Mastercard with reference to your registered Merchant ID & Acquirer BIN.
  • For more information, please read the User Guide for the Mastercard PSD2 Merchant Testing.

* Only Acquirer BIN, Merchant ID combinations enrolled for the Mastercard Identity Check program can send EMV 3DS authentication requests. Others will be rejected. Please ask your acquirer which Acquirer BIN / Merchant ID can be used.

With long-standing experience and unparalleled knowledge, Necetera brings secure digital payments for card issuers, PSP’s and merchants to cover the entire spectrum of the payment industry.

Netcetera 3DS SDK

EMV® 3DS 2.2 SDK for Android and iOS, compliant with all schemes’ 3DS programs, ensures smooth and reliable processing of card payments via a native merchant mobile app.

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