G+D Netcetera manages 1.4 billion tokens
Payment tokenization as prerequisite in e-commerce
Together we drive progress towards a simple, safe, and reliable digital world.
What we have spent over 30 years getting right
We have built deep expertise in a focused set of areas. And that focus is what lets us deliver solutions that financial institutions can rely on.
Domain depth over breadth
We specialize in the regulated complexity of European financial services: authentication, digital banking, identity, and payment infrastructure. That expertise is in the architecture of every product we build.
Security built in, not bolted on
Security is not a feature we add at the end. It is embedded in the development process from the first line of code – a legacy of working with institutions where a breach is not an option.
European by design
Our solutions are designed around European regulations and data sovereignty from day one, including PSD2, eIDAS 2.0, and DORA. Because European banks need technology built for their regulatory reality.
Partnership over project delivery
Most of our client relationships have run for more than a decade. We work as an integrated team with our clients.
400M+
Payment cards protected by our 3DS issuing service
1200+
Experts across Europe
30+
Years in financial software solutions
2500.00
banks trust us
Part of the G+D Group
The strength of a global security technology group behind every solution we build
Since 2020, G+D Netcetera has been the Trusted Software division of Giesecke+Devrient (G+D), a global security technology group founded in 1852, headquartered in Munich, and trusted by governments, central banks, and financial institutions in over 180 countries.
G+D's reach extends to banknote production, SIM and eSIM technology, digital security infrastructure, and financial platforms. As our parent company, G+D gives us the institutional credibility, security expertise, and long-term stability that our clients need from a partner managing their most critical systems.
Who we are, where we are
Meet our leadership team and explore our offices across Europe.
Leadership
Our leadership team combines decades of financial solutions experience with a clear direction for where the industry is heading.
Headquartered in Zurich. Present across Europe.
We operate across 11 countries and 19 cities, from Cologne and Munich to Skopje, Ljubljana, Helsinki and Vienna. Our teams work in the same time zones, under the same regulations, and with a shared understanding of what European financial institutions need.
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Latest Insights
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Tea Schmid, Head of Advisory Processes and Tools at St. Galler Kantonalbank, explains how the digital financial advisory solution "Omnium" offers customers a modern, digital, and holistic financial advisory.
G+D Netcetera and Clarity AI
G+D Netcetera collaborates with Clarity AI to integrate sustainability insights into the user experience,
The Friendly Fraud Problem
First-party misuse is now the world’s leading type of fraud, yet it is almost impossible to spot at checkout. Discover why friendly fraud is rising, what it costs the payments industry, and how better data sharing could help distinguish genuine disputes from deliberate abuse.
G+D Netcetera wins two Juniper Awards
G+D Netcetera wins two Juniper Awards 2026 for fraud prevention and digital wallets, as banks rethink their systems landscape for future payments
Click to Pay Push Provisioning for Card Issuers
Enhance customers´ experience with direct card integration to enable Click to Pay
E-Commerce Fraud in the UK: Is 3DS Enough?
3DS and SCA are working as designed. So why is UK payment fraud still rising?
Wow!Banking initiative
G+D Netcetera is a founding member of the Wow!Banking initiative in Germany. The initiative brings together experts from technology, consulting, academia, and practice to give the German financial market new impulse.
SIX Banking Services: Payment security for 1.5 million customers
Stefan Giger, Head of Payment Fraud & Dispute Services at SIX Banking Services, about the ACS service for their debiX+ white-label app, which provides a stable, scalable service for handling 3DS transactions.