Mastercard App-based
Issuer Testing Platform

Register. Check. Improve.


It enables you:

  • To leverage the benefits of EMV® 3DS
  • To troubleshoot and fine-tune the Access Control Server (ACS) setup for improved transaction processing in production environment
  • To lower the abandonment rates
  • To provide your cardholders with the best user experience
  • We will lead you through the most convenient registration process.

Mastercard and Netcetera – Strong partnership enabling an outstanding customer experience

Striving to improve the conversion rate in digital payment transactions is a must for every issuer 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.

Different factors could be causing lower performance than expected and the production analysis does not allow a straightforward way to detect the root cause.

Therefore, Mastercard in collaboration with Netcetera is providing a testing platform that can help issuers to test the app-based authentication flow end-to-end.


Characteristics of the testing platform:

  • The testing program runs on the Netcetera Demo Merchant (NDM) application integrated with the Netcetera 3DS SDK. The demo application provides a 3DS authentication checkout experience with all required payment details. Issuers can test different transaction cases in the live system, using production cards from Mastercard.
  • Issuers can conduct self-testing and verification of the app-based authentication flow
  • Mastercard assistance is available in case of errors or unexpected results
  • Issuers can do the test using their current infrastructure, with no additional configuration or updates required.

How to register?

  • The first step is to make sure that you have the issuer name and issuer BIN* at hand, as they are mandatory fields in the registration form.
  • To complete the registration and activate your account, you will receive a verification link by email, which you need to click to confirm within two hours.
  • By registering for the Mastercard App-based Issuer Testing Platform, you agree to the Privacy Policy regulating the rights for processing the registration data you have provided.

How to use it?

  • In order to conduct self-testing & validation, please download the Netcetera Demo Merchant (NDM) mobile application (available for iOS and Android)
  • If you have questions, please contact Mastercard at with reference to your registered issuer name/issuer BIN
  • Only issuer BINs enrolled for the Mastercard Identity Check program can send EMV 3DS authentication requests. Others will be rejected.
  • For more information, please read the Mastercard App-based Issuer Testing Platform user guidelines below

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