Abhishek012
TF Pioneer
Card networks in India will sunset 3DS 1.0.2 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 2.1, now is the time to do so.
This October marks a significant milestone for 3-D Secure. Card networks will sunset 3DS 1.0.2 in India. How can we ensure a seamless and secure shopping experience for online shoppers in India ?
The sunset of 3DS 1.0.2, for most countries, went into effect mid-October. Some countries received network extensions until 2023. If you do business in India, there are important implications for you to consider.
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.
Visa Secure (formerly Verified by Visa):
Visa extended 3DS 1.0 support for India through October 12, 2023. It’s important to note that Visa is continuing to support 3DS 1.0 transaction processing solely for domestic transactions. Cross-border transactions initiated by merchants from those countries to the rest of the world must be made using EMV® 3-D Secure for authentication beyond October 15, 2022.
Mastercard SecureCode:
Mastercard extended the sunset of 3DS 1.0 for India and Bangladesh through October 3, 2023. Any transactions sent to the 3DS 1.0 Directory Server after this date will result in an error.
October 3, 2023: 3DS 1.0 Directory Server will stop routing verify enrollment requests (VEReqs). The 3DS 1.0 Directory Server will result in an unauthenticated status. (transaction status “N”)
November 1, 2023: The Mastercard firewall will respond to VEReqs with a site not found error, as the 3DS 1.0 Directory Server URL will no longer be available
American Express SafeKey:
American Express will sunset of 3DS 1.0 for India from October 13, 2023.
What to do now:
With the sunset that took place in October, most of the 3DS 1.0 world has migrated to EMV® 3-D Secure – but if you are in the one of countries that received an extension, don’t delay - upgrade now to maximize the benefits of EMV 3DS and avoid possible added costs.
Reminder of important dates:
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-
EMVCo’s work is overseen by six member organisations—American Express, Discover, JCB, Mastercard, UnionPay, and Visa— which recognise a shared responsibility for the reliability and security of payment transactions and the technology infrastructure that makes them possible.
I know you guys will ask, what about RuPay card ? right ?
Simple answer - I don't know.
Well, RuPay is not a member of EMVCo, LLC.
RuPay develop its own 3Ds gateway called - Bharat Ecommerce Payment Gateway (BEPG)
You may heard about this famous bengali song - Jodi tor dak shune keu na ase ekla chalo re, ekla chalo, ekla chalo, ekla chalo re (English translation - If no one answers your call then walk on your own, Walk alone, walk alone, walk alone)
Last time i read somewhere RuPay launch BEPG 2.0 (BEPG Phase 2)
Recently, you guys have already seen many banks are added merchants name and transaction amount on RuPay OTP page. This is the part of a RuPay BEPG migration.
I don't know when RuPay will discontinued old RuPay Paysecure gateway and fully migrate to new BEPG 2.0 gateway.
Benefits of Bharat eCommerce Payment Gateway (BEPG) -
1) Enhanced consumer experience
2) Additional payment options on RuPay cards
3) No compromise on security and risk
4) Simplified architecture
5) Improvement in success rate
6) Self-healing system
Highlights of Bharat eCommerce Payment Gateway (BEPG) -
What’s New -
1) BEPG provides currently available functionalities of eCommerce system
2) Server to server API for ‘OTP Generation and OTP Validation’ during ‘Authentication’ of transactions.
3) Tokenization for In-App merchants and ‘Card on File’ to simplify consumer experience.
4) Quick checkout functionality where registered RuPay consumers can do transactions without Additional Factor of
Authentication (AFA).
5) Connected checkout functionality where Trusted Merchants can participate to register RuPay consumers to facilitate
transactions without Additional Factor of Authentication (AFA).
6) Amount and merchant name has been added to Issuer Authentication System (IAS) API call for consumer friendly
OTP delivery.
7) Online reversal message for payment gateways have been introduced to facilitate CNP reversals.
8) Subscription based transaction lifecycle has been added.
9) Equated Monthly Instalments (EMI) solutions introduced for both Credit and Debit products.
10) Refund based on Original Credit Transfers (OCT) for quicker refund process to consumers.
11) Card to card payments for Credit card payments and balance transfer transactions for Credit cards.
In order to remain competitive in the nowadays challenging environment and if you still have not upgraded to the EMV 3DS 2.1, now is the time to do so.
This October marks a significant milestone for 3-D Secure. Card networks will sunset 3DS 1.0.2 in India. How can we ensure a seamless and secure shopping experience for online shoppers in India ?
The sunset of 3DS 1.0.2, for most countries, went into effect mid-October. Some countries received network extensions until 2023. If you do business in India, there are important implications for you to consider.
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.
Visa Secure (formerly Verified by Visa):
Visa extended 3DS 1.0 support for India through October 12, 2023. It’s important to note that Visa is continuing to support 3DS 1.0 transaction processing solely for domestic transactions. Cross-border transactions initiated by merchants from those countries to the rest of the world must be made using EMV® 3-D Secure for authentication beyond October 15, 2022.
Mastercard SecureCode:
Mastercard extended the sunset of 3DS 1.0 for India and Bangladesh through October 3, 2023. Any transactions sent to the 3DS 1.0 Directory Server after this date will result in an error.
October 3, 2023: 3DS 1.0 Directory Server will stop routing verify enrollment requests (VEReqs). The 3DS 1.0 Directory Server will result in an unauthenticated status. (transaction status “N”)
November 1, 2023: The Mastercard firewall will respond to VEReqs with a site not found error, as the 3DS 1.0 Directory Server URL will no longer be available
American Express SafeKey:
American Express will sunset of 3DS 1.0 for India from October 13, 2023.
What to do now:
With the sunset that took place in October, most of the 3DS 1.0 world has migrated to EMV® 3-D Secure – but if you are in the one of countries that received an extension, don’t delay - upgrade now to maximize the benefits of EMV 3DS and avoid possible added costs.
Reminder of important dates:
- 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.
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
EMVCo’s work is overseen by six member organisations—American Express, Discover, JCB, Mastercard, UnionPay, and Visa— which recognise a shared responsibility for the reliability and security of payment transactions and the technology infrastructure that makes them possible.
I know you guys will ask, what about RuPay card ? right ?
Simple answer - I don't know.
Well, RuPay is not a member of EMVCo, LLC.
RuPay develop its own 3Ds gateway called - Bharat Ecommerce Payment Gateway (BEPG)
You may heard about this famous bengali song - Jodi tor dak shune keu na ase ekla chalo re, ekla chalo, ekla chalo, ekla chalo re (English translation - If no one answers your call then walk on your own, Walk alone, walk alone, walk alone)
Last time i read somewhere RuPay launch BEPG 2.0 (BEPG Phase 2)
Recently, you guys have already seen many banks are added merchants name and transaction amount on RuPay OTP page. This is the part of a RuPay BEPG migration.
I don't know when RuPay will discontinued old RuPay Paysecure gateway and fully migrate to new BEPG 2.0 gateway.
Benefits of Bharat eCommerce Payment Gateway (BEPG) -
1) Enhanced consumer experience
2) Additional payment options on RuPay cards
3) No compromise on security and risk
4) Simplified architecture
5) Improvement in success rate
6) Self-healing system
Highlights of Bharat eCommerce Payment Gateway (BEPG) -
What’s New -
1) BEPG provides currently available functionalities of eCommerce system
2) Server to server API for ‘OTP Generation and OTP Validation’ during ‘Authentication’ of transactions.
3) Tokenization for In-App merchants and ‘Card on File’ to simplify consumer experience.
4) Quick checkout functionality where registered RuPay consumers can do transactions without Additional Factor of
Authentication (AFA).
5) Connected checkout functionality where Trusted Merchants can participate to register RuPay consumers to facilitate
transactions without Additional Factor of Authentication (AFA).
6) Amount and merchant name has been added to Issuer Authentication System (IAS) API call for consumer friendly
OTP delivery.
7) Online reversal message for payment gateways have been introduced to facilitate CNP reversals.
8) Subscription based transaction lifecycle has been added.
9) Equated Monthly Instalments (EMI) solutions introduced for both Credit and Debit products.
10) Refund based on Original Credit Transfers (OCT) for quicker refund process to consumers.
11) Card to card payments for Credit card payments and balance transfer transactions for Credit cards.
