Hello Vora555
Please note that european PSPs (Payment Service Providers) require the technical standard EMV® 3D Secure (also known as 3DS 2.x).
According to the information I found, however, many ACS (Access Control Servers) of the issuer (bank) from ASEAN countries such as Cambodia still use the outdated technology of 3DS1.
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 and such transactions are often automatically declined.
Please 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- Ask whether the current card may still be connected via an outdated or only partially compatible ACS system.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).
- Or use wallet payments (Apple Pay / Google Pay) in the SBB Mobile app as suggested by Danhiel (please note that this is not possible for the web). Usually, the authentication by Apple / Google for wallet payments replaces the 3DS 2.x request and there is no need to interact with the ACS of the Cambodian bank.
Kind regards,
Nicole