3DS 1 sunset is coming

Your online business should not end in October. Take a step so it grows.

As we are approaching October 15th, the major card networks will sunset the usage of 3DS 1.0 and will support only EMV® 3DS 2.1 or higher.

In order to remain competitive in the nowadays challenging environment and if you still have not upgraded to the EMV 3DS, now is the time to do so.

It not only benefits your customer’s online transactions, supported by security and a better experience. It also benefits your business by protecting it from fraud and chargebacks, while abandonment rates are decreased. It promises better conversion with the needed trust on all digital payment sides.

Choosing Netcetera as your solution partner and an expert in authenticating online transactions brings benefits to your daily work and overall business. We are aware that not only one solution is applicable for a diverse market and the various needs of your business. Therefore, we have crafted modular solutions to save you time and resources and meet your business requirements.

We unite merchants, issuers, and shoppers together in order to create an optimum user experience, one that makes your customers stay and keep purchasing.

Netcetera’s independent products comply with all major card networks, like Mastercard, Visa, American Express, Union Pay & JCB.

On top of all that, our digital solutions on the newly implemented cloud platform provide the flexibility and the integration speed you need to keep up with constant market trends and changes, topped up with the highest security standards, without any maintenance effort, or need for additional certifications.


Reminder of important dates:

  • 18 October 2022: Mastercard will decomission 3-D Secure 1. Mastercard will no longer process any 3DS 1.0 transactions for cardholder authentication. Any transaction submitted to the Mastercard 3DS 1.0 Directory Server will result in an error response.
  • 14 October 2022 American Express is terminating SafeKey 1.0 worldwide, except India.  All Secure payments will be processed through the  EMV 3DS 2.x flow .
  • 15 October 2022: Visa will stop supporting 3-D Secure 1, excluding Bangladesh, Bhutan, India, Maldives, Nepal, Sri Lanka.
  • 03 October 2023: Mastercard will stop supporting 3-D Secure 1 in India and Bangladesh.
  • 13 October 2023 American Express is terminating SafeKey 1.0 in India.  All secure payments will be processed through the EMV 3DS 2.x flow.

What will happen if you stay with 3DS 1?

Customers everywhere are willing to authenticate and identify themselves for the sake of their security shopping online. Staying with 3DS 1 will create unsuccessful transactions (Errors in transactions).  This will cause-

  • Unsatisfied customers
  • Cart abandonments
  • A higher risk of fraud
  • Money loss
  • Business shrinkage

What will you get with the Netcetera upgrade?

Focus on your business and leave the details to us.

  • Fast integration
  • End-to-end testing
  • Expert service and required consults throughout the whole integration process
  • Flexible pricing models created according to your business needs


Reach out to us for more information on EMV 3DS and on how to painlessly upgrade.

In line with all of the above, and for all of the merchants and issuers that have started to use the 3DS secure transaction processing, we would like to share the links of the testing platforms created for your benefit to decrease the error rates of online transactions.

We encourage the usage of these testing platforms in order for you to be able to best meet increased customer demand for fast and easy, yet secure payment services.

Mastercard testing platform for merchants and PSPs and Mastercard App-based 3DS Issuer Testing Platform to enable issuers to leverage the benefits of EMV® 3DS, and to help them test end-to-end app-based authentication flow and to improve it.

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.

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