3-D Secure Issuer Service

Leverage our 25 years’ experience in building and maintaining EMV® 3-D Secure solutions. As EMVCo Associate, we help setting new trends and are at the forefront of the latest technology.

In our PCI-DSS and PCI-3DSS certified data centers, we operate a multi-client capable 3-D Secure Issuer Service with a state-of-art Access Control Server (ACS) as a core component, used by more than 200 banks and card issuers. Thanks to the technology developed in house, highly flexible and configurable, we can meet almost any EMV® 3-D Secure use case.

Netcetera 3-D Secure Issuer Service



State-of-the-art ACS supporting EMV® 3-D Secure 1.0, 2.1 and 2.2 version protocols for authentication of cardholders, certified by all major card schemes

PSD2 ready solution that fulfills the SCA requirement, while offering comprehensive set of tools for frictionless payments to improve the shopping experience of your cardholders

A flexible and scalable solution, designed to support almost every EMV® 3-D Secure use case and to onboard you fast and easy

We are committed to new trends in the payment industry


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Key Features

Access Control Server (ACS) supporting EMV® 3-D Secure 1.0, 2.1 and 2.2 version protocols

Multiple Authentication methods: Single click in a mobile app (OOB), One-time passcode (OTP), Risk-based authentication (RBA)

Risk tool for real time risk assessment of the transactions and option for integration of 3rd party
Risk Tools

Online registration portal for Cardholders’ self-enrollment

Administration portal for back-office and call-center support

Access to data and out-of-the-box reports

PSD2 compliant SCA exemptions and exceptions for less friction

Comprehensive set of options for frictionless payments

Standardized web services for integration with issuer portal, backend-provisioning of cards, life cycle management, access to data


For the card issuers

For the cardholders

• Facilitates the transition by supporting EMV® 3-D Secure 2.1, 2.2, and 1.0 protocols in the same application

• Issuer’s branding (logos and messages) can be customized in the authentication pages and registration portal

• Multi-language support

• Dedicated team for fast onboarding

• Dedicated Customer Success Executive focused on helping you grow

• 24/7 support

• Safer online purchase

• Seamless shopping experience

• Flexible registration via online portal or a mobile banking app