Mastercard is introducing a new fee: the 3DS-1 only authentication program fee.
What does the change mean?
The 3DS-1 only authentication program fee is a fee that will be charged if 3D Secure 2.0 (or higher) compliant transactions are fewer than 70% of total transactions. The fee is charged on an Acquirer level and will be passed onto non-compliant merchants based on their contribution percentage to non-compliance.
The 3DS-1 only authentication program fee has been implemented with retroactive effect, from January 1 2021 onwards.
The fee applies to all merchants that are 3D Secure 2.0 ready (or higher). You’re considered 3DS Secure 2.0 ready when at least one successful 3D Secure 2.0 authorization (attempted or fully authenticated) has been sent.
The fee applies to all merchants in: Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Croatia, Cyprus, Czech Republic, Denmark (including territories), Estonia, Finland (including territories), Greece, Hungary, Iceland, Ireland, Italy (including Vatican City and San Marino), Kosovo, Latvia, Liechtenstein, Lithuania, Luxemburg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway (including territories), Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom (including territories)
How will this affect you?
If fewer than 70% of your e-commerce authorisations sent to us are sent 3D Secure 2.0 (or higher) compliant, you’ll be charged with this new fee based on your transaction volume. You will receive an invoice to inform you about this.
Are you processing all your transactions using 3DS 2.0 (or higher)? In that case, you don’t have to worry. The fee won’t apply to you.
January 1, 2021
Need more info? Please feel free to reach out to your dedicated Account Manager, or the Payvision support team at [email protected]