Visa guidelines for mandatory rolling out of EMV 3DSecure for Asia Pacific

Visa has issued guidelines for rolling out of EMV 3DS for the Asia Pacific Region. Countries covered: Australia, Cambodia, Hong Kong, India, Indonesia, Macau, Malaysia, New Zealand, Philippines, Singapore, Hong Kong, South Korea, Taiwan, Thailand and Vietnam.

Australia

Effective through 14 October 2022 Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3-D Secure (EMV 3DS), if it is assigned any of the following MCCs:

• MCC 4722 (Travel Agencies and Tour Operators)
• MCC 4816 (Computer Network/Information Services)
• MCC 4829 (Wire Transfer Money Orders)
• MCC 5085 (Industrial Supplies)
• MCC 5311 (Department Stores)
• MCC 5399 (Miscellaneous General Merchandise)
• MCC 5411 (Grocery Stores and Supermarkets)
• MCC 5661 (Shoe Stores)
• MCC 5691 (Men’s and Women’s Clothing Stores)
• MCC 5699 (Miscellaneous Apparel and Accessory Shops)
• MCC 5722 (Household Appliance Stores)
• MCC 5732 (Electronics Stores)
• MCC 5733 (Music Stores – Musical Instruments, Pianos, and Sheet Music)
• MCC 5734 (Computer Software Stores)
• MCC 5912 (Drug Stores and Pharmacies)
• MCC 5943 (Stationery Stores, Office and School Supply Stores)
• MCC 5944 (Jewelry Stores, Watches, Clocks, and Silverware Stores)
• MCC 5999 (Miscellaneous and Specialty Retail Stores)
• MCC 6211 (Security Brokers/Dealers)
• MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services)
• MCC 7832 (Motion Picture Theaters)
• MCC 7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks)
• MCC 8999 (Professional Services)
• MCC 9402 (Postal Services – Government Only)

Effective 15 October 2022 Ensure that its Electronic Commerce Merchant is enabled to process an Electronic Commerce Transaction using Visa Secure with EMV 3DS.

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

Cambodia

Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3DS, if it is assigned any of the following MCCs:

• MCC 4814 (Telecommunication Services, including Local and Long Distance Calls, Credit Card Calls, Calls through Use of Magnetic Stripe Reading Telephones, and Fax Services)
• MCC 8398 (Charitable Social Service Organizations)

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

Hong Kong

Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3DS, if it is assigned any of the following MCCs:

• MCC 4722 (Travel Agencies and Tour Operators)
• MCC 4812 (Telecommunication Equipment and Telephone Sales)
• MCC 5045 (Computers and Computer Peripheral Equipment and Software)
• MCC 5621 (Women’s Ready-To-Wear Stores)
• MCC 5691 (Men’s and Women’s Clothing Stores)
• MCC 5732 (Electronics Stores)
• MCC 5734 (Computer Software Stores)
• MCC 5816 (Digital Goods – Games)
• MCC 5945 (Hobby, Toy, and Game Shops)
• MCC 5999 (Miscellaneous and Specialty Retail Stores)

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

Indonesia

Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3DS, if it is assigned any of the following MCCs:

• MCC 4511 (Airlines and Air Carriers [Not Elsewhere Classified])
• MCC 4722 (Travel Agencies and Tour Operators)
• MCC 5999 (Miscellaneous and Specialty Retail Stores)

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

Macau

Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3DS, if it is assigned any of the following MCCs:

• MCC 4722 (Travel Agencies and Tour Operators)
• MCC 4812 (Telecommunication Equipment and Telephone Sales)
• MCC 5045 (Computers and Computer Peripheral Equipment and Software)
• MCC 5621 (Women’s Ready-To-Wear Stores)
• MCC 5691 (Men’s and Women’s Clothing Stores)
• MCC 5732 (Electronics Stores)
• MCC 5734 (Computer Software Stores)
• MCC 5816 (Digital Goods – Games)
• MCC 5945 (Hobby, Toy, and Game Shops)
• MCC 5999 (Miscellaneous and Specialty Retail Stores)

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

Malaysia

Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EV 3DS, if it is assigned any of the following MCCs:

• MCC 4511 (Airlines and Air Carriers [Not Elsewhere Classified])
• MCC 5977 (Cosmetic Stores)
• MCC 5999 (Miscellaneous and Specialty Retail Stores)
• MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services)

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

New Zealand

Effective through 14 October 2022. Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3DS, if it is assigned any of the following MCCs:

• MCC 4722 (Travel Agencies and Tour Operators)
• MCC 4814 (Telecommunication Services, including Local and Long Distance Calls, Credit Card Calls, Calls through Use of Magnetic Stripe Reading Telephones, and Fax Services)
• MCC 5045 (Computers and Computer Peripheral Equipment and Software)
• MCC 5310 (Discount Stores)
• MCC 5722 (Household Appliance Stores)
• MCC 5732 (Electronics Stores)
• MCC 5734 (Computer Software Stores)
• MCC 5941 (Sporting Goods Stores)
• MCC 9402 (Postal Services – Government Only)

Effective 15 October 2022 Ensure that its Electronic Commerce Merchant is enabled to process an Electronic Commerce Transaction using Visa Secure with EMV 3DS.

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

Philippines

Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3DS, if it is assigned any of the following MCCs:

• MCC 3000-3350 (Airlines, Air Carriers)
• MCC 4511 (Airlines and Air Carriers [Not Elsewhere Classified])
• MCC 4722 (Travel Agencies and Tour Operators)
• MCC 4814 (Telecommunication Services, including Local and Long Distance Calls, Credit Card Calls, Calls through Use of Magnetic Stripe Reading Telephones, and Fax Services)
• MCC 4900 (Utilities – Electric, Gas, Water, and Sanitary)
• MCC 5045 (Computers and Computer Peripheral Equipment and Software)
• MCC 5331 (Variety Stores)
• MCC 5399 (Miscellaneous General Merchandise)
• MCC 5499 (Miscellaneous Food Stores – Convenience Stores and Specialty Markets)
• MCC 5722 (Household Appliance Stores)

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

Singapore

Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3DS, if it is assigned any of the following MCCs:

• MCC 4511 (Airlines and Air Carriers [Not Elsewhere Classified])
• MCC 4722 (Travel Agencies and Tour Operators)
• MCC 5815 (Digital Goods Media – Books, Movies, Music)
• MCC 5816 (Digital Goods – Games)
• MCC 5817 (Digital Goods – Applications [Excludes Games])
• MCC 5818 (Digital Goods – Large Digital Goods Merchant)
• MCC 5968 (Direct Marketing – Continuity/Subscription Merchant)
• MCC 8999 (Professional Services)

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

South Korea

Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3DS, if it is assigned any of the following MCCs:

• MCC 5968 (Direct Marketing – Continuity/Subscription Merchant)
• MCC 5999 (Miscellaneous and Specialty Retail Stores)

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

Taiwan

Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3DS,  if it is assigned any of the following MCCs:

• MCC 4112 (Passenger Railways)
• MCC 4722 (Travel Agencies and Tour Operators)
• MCC 7372 (Computer Programming, Data Processing, and Integrated Systems Design Services)

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

Thailand

Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3DS, if it is assigned any of the following MCCs:

• MCC 4511 (Airlines and Air Carriers [Not Elsewhere Classified])
• MCC 4722 (Travel Agencies and Tour Operators)
• MCC 5968 (Direct Marketing – Continuity/Subscription Merchant)
• MCC 8999 (Professional Services)

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.

Vietnam

Ensure that its Electronic Commerce Merchant processes an Electronic Commerce Transaction using Visa Secure with EMV 3DS, if it is assigned any of the following MCCs:

• MCC 4511 (Airlines and Air Carriers [Not Elsewhere Classified])
• MCC 4722 (Travel Agencies and Tour Operators)
• MCC 5311 (Department Stores)
• MCC 7994 (Video Game Arcades/Establishments)

If a Merchant is not enrolled in Visa Secure with EMV 3DS and is identified by the Visa Fraud Monitoring Program, it will be subject to the High Risk MCC timeline, as outlined in the Visa Fraud Monitoring Program.