Mastercard PSD2 Testing Program

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.
Get your customers with seamless user experience.
(For more information, please see AN-3825)

Registration will be available soon.

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%.


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. Mastercard will provide you with test cards.


1. Register for the 3DS Testing Platform

  • 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


2. Use the 3DS Testing Platform

  • Please read the User Guide for the Mastercard PSD2 testing program.
  • If you have questions, please contact Mastercard with reference to your registered Merchant ID & Acquirer BIN.

We wish you a successful time testing!

Registration will be available soon.

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.


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