Skip to main content
Netcetera logo

Netcetera Ag

Netcetera is a global software company with cutting-edge IT products and individual digital solutions in the areas of secure digital payment, financial technologies, media, transport, healthcare and insurance. More than 2,000 banks and issuers, and 150,000 merchants rely on the digital payment solutions and globally certified 3-D Secure products of the market leader for payment security. The owner-managed company covers the entire IT lifecycle, from ideation and strategy to implementation and operation. The balanced combination of the latest technologies and proven standards ensures investment security, from large-scale projects to innovative start-ups. Founded in 1996, Netcetera is a holding company with 700 employees and is headquartered in Zurich, Switzerland, with additional locations across Europe, Asia and the Middle East.

Solution Description

Netcetera 3-D Secure Issuer Service

Leverage our 20 years’ experience in building and maintaining EMV® 3-D Secure solutions. As EMVCo Associate, we help setting the new trends and are on top with the latest technology.

Consumers increasingly shop online, anytime, anywhere and from any device. Still, the shopping habits and needs of consumers differ depending on generation, individual background and digital affinity. At the same time, with the ongoing expansion of e-commerce, fraud with credit and debit cards is steadily on the rise. In addition to actual card theft, card details are being stolen and abused with electronic methods.

Against this background, you as the card issuer or bank are challenged to expand your security precautions to reduce the cases of fraud – while meeting the evolving expectations from your cardholders towards their means of payment, and while complying with a growing number of complex regulatory requirements.

The global 3-D Secure standard enhances security for online credit card payments. In its data centers, Netcetera operates a multi-client capable 3-D Secure service. You as card issuers and banks benefit from Netcetera's longstanding 3-D Secure experience and its homemade technology, flexibly configurable to your needs.

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 1000 banks and card issuers. Thanks to the homemade technology, it is highly flexible and configurable, it can meet nearly any EMV® 3-D Secure use case.

  • State-of-the-art ACS supporting EMV® 3-D Secure 1.0 and 2.0 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


Zypressenstrasse 71


Entrust Ready Technology Partner Program



  • Identity & Access Mgmt


Mitigating Fraud Risk with 3-D Secure

Solution Briefs

open folder icon
February 08, 2021