It is not possible for anyone to be accepting transactions using SET at the current time.
Several events have to occur before than can be possible.
An updated version of the ASN.1 that will ensure interoperability needs to be published. Vendors need to implement that specification and test for interoperability. MasterCard and Visa need to perform tests with financial institutions, cardholders and merchants to ensure that SET will satisfy our business requirements. MasterCard and Visa expect the testing to be completed in early 1997. Finally, MasterCard and Visa must set up brand Certificate Authorities before certificates can be issued to cardholders, merchants and payment gateways.