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A few years ago in Ukraine all (most?) online transactions had to be verified via their service called "masterpass". I guess it's their approach to 3DS or something.

Anyway, their SSL certificate expired, as it naturally does with enterprise webs.

All (most?) online transactions with certain class of MasterCard cards were completely SOL at that moment.

They did not renew the cert for more than a year. No amount of communication attempts with MasterCard could help, neither from customers (me) nor from banks' IT departments. Then they just quietly dropped the service altogether.

While I was poking I have found that the service is written in microsoft-something (IIS), certificate chain was unusually long with intermediates which I never heard of and all of that is hosted in a third-world country quite far away from Ukraine. But that's another story.

masterpass is MC's version of 3DS. It's used by MC worldwide when transaction is sus. I guess, in MC's eyes, transactions in your country are considered sus by default even if they entirely between local entities.

I don't remember it's ever expiring, at least in the US. IDK how they handle traffic in different countries. It sounds a lot more like your traffic got routed somewhere else and not MC?

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