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)


Register here

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)


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. Refer to the Merchant Test Result Matrix for details about each test case, the scenario description and flagging, test card number, and PASS criteria.


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

* 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.

We wish you a successful time testing!

Register here


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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