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Visa card decline

Nasheeb

Hello everyone.
I am trying to purchase half fare card online on the sbb mobile app to book a train from milan to zurich. But i am not able to go through payment. Each time i am getting error DTR -3022.3D secure verification. I have contacted my local bank but they say my card is fine and the problem is not from their side.
Rest assured that i have logged with a swiss pass account as well but still not working. I have also tried the SBB website but same error.
Any help plz.
Thanks.
Nasheeb

RolandP

Hello Nasheeb

Welcome to the SBB Community.

Please ask your bank to activate 3D secure by VISA. Otherwise it is not going to work.

Kind regards,
Roland

Nasheeb

RolandP

I have contacted my bank but it is still not working. Does the credit card need to be in foreign currency? My local currency is MUR

Krist

For a Milano - Zurich train I would book with Trenitalia. They are not that complicated with foreign credit cards. Or use Rail Europe.

Nicole_B

Hello Nasheeb
No, this is not necessary. The currency of the credit card does not matter.

Please note that European Payment Service Providers (PSPs) use the technical standard EMV® 3D Secure (also known as 3DS 2.x), as this has been required by EU law since 2021 with PSD2 (Payment Service Directive 2) and is also a market standard in Switzerland.

Some issuers (banks) still partially rely on 3DS 1.0 or do not respond correctly to 3DS 2.x requests.
Visa, Mastercard, and other networks have globally disabled 3D Secure 1.0. This means that new transactions with 3DS 1.0 are no longer technically possible. Although Visa and Mastercard officially discontinued support for 3D Secure 1.0 in 2022, this does not automatically mean that all issuers (banks) worldwide have fully switched to 3DS 2.x or are handling it correctly.
Some issuers (banks) run older Access Control Servers (ACS), which support 3DS2 nominal, but are still technically based on old 3DS1 backends or frameworks and behave like 3DS1 gateways. Visa / Mastercard Directory Server should bridge this communication, but in case of compatibility problems there can be silent errors.

What can cardholders do when the 3D Secure process fails and the payment is declined?

Option 1: Use a different card

AMEX: American Express operates its own 3DS system (SafeKey), which is not tied to the Visa / Mastercard Directory Servers, but runs entirely within Amex. Since Amex is an Issuer, ACS and SafeKey platform, there are hardly any bridging problems. SafeKey works the same worldwide, unlike Visa / Mastercard, where Issuer (banks) implement these solutions differently.
Alternatively, try a Mastercard: Mastercard may offer more reliable 3DS bridging solutions between PSP and issuer than Visa.

Option 2: Contact your issuer (bank) – preferably in writing:

Ask whether the current card may still be connected via an outdated or only partially compatible ACS system.
Ask for a card with proven EMV 3DS 2.x support, including an active Access Control Server (ACS) that can correctly receive and respond to 3DS2 requests from European Payment Service Providers (e.g. via Visa or Mastercard Directory Server).

Kind regards,
Nicole