Your reliable partner for secure online commerce

Netcetera 3DS ISSUING products

Protection against credit card abuse during online payments

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The security and customer experience challenge

In the dynamic way of today’s living being able to purchase anything online has become people’s necessity rather than commodity. The consumers persist on having seamless online shopping experience from any device at any place, and yet a secure one. This creates continuous pressure to the credit and debit card issuers to find the best solution for providing secure online payment to their cardholders, for protecting them from fraud or credit card abuse. This pressure increases even more with the growth of the e-Commerce market.



Risk of fraud in online payment – with the ongoing expansion of e-commerce, fraud with credit and debit cards is steadily on the rise

Cardholder’s expectations – cardholders expect an easy and consistent check-out process, without frictions, but yet secure

Compliance with international regulations such as PCI-DSS and PCI-3DS, EMVCo guidelines, the card networks’, and the European Payment Services Directive (PSD2)

The role of the EMV® 3-D Secure standard

Implementing additional authentication to prove the user’s identity during online transactions

The global «EMV® 3-D Secure» standard enhances the security of online credit card payments by preventing unauthorized transactions and decreasing fraud exposure. At the same time, it enables a seamless shopping experience for trusted cardholders via different mechanisms and tools to increase conversion rates.

Continuous improvements – new EMV® 3-D Secure 2.x protocol

Developed in 1999, the protocol constantly adapts in order to meet the needs of the online payment market players. With the latest improvements of the new 3DS 2.x protocol version from EMVCo, card issuers can enhance their systems for providing even more secured online payment, while at the same time making the cardholder’s payment effortless.



Netcetera 3-D Secure Issuer Service

Leverage our 17 years’ experience in building and maintaining EMV® 3-D Secure solutions. As EMVCo Associate, we help setting new trends and are on top with the latest technology. Learn more


Do not compromise online payment security.
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Proven experts in EMV® 3DS and payment software

Because we are 1st in Europe, 2nd worldwide to adopt the EMV® 3-D Secure 2.0 protocol.

Because we are an EMVCo associate committed to new trends in the payment industry.

Because we have built an in-house 3DS ACS, 3DS Server & 3DS SDK providing interaction testing for all 3DS components.

Because we develop software that matters, based on the latest technologies with state-of-the-art architecture.

Find out more about digital payment trends, expert articles and webinars in the
Knowledge hub on the Netcetera website.

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 EMVCo approved products

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

Compliant with EMV® 3DS schemes’ programs


PCI Ready / Certified Products