Premium Fraud Prevention
AI and machine learning enhanced, integrated, real-time fraud defense framework that strengthens authentication, improves decisioning, and reduces operational effort.
Premium 3DSFraud Prevention
Redefining 3-D Secure for Issuers at Scale
Modern Fraud Prevention Solution built for Issuers, combining the latest EMV 3-D Secure standards, broad multi-scheme certification and a flexible, modular architecture with intelligent risk-based authentication. It helps issuers balance security, compliance, and user experience—reducing fraud while enabling frictionless, low-abandonment payments.
What sets us apart
Industry-leading capabilities that set new standards for fraud prevention, tailored solutions, expert-to-expert collaboartion and service excellence.
Tailored Solutions
Major Issuers need tailored solutions, not generic tools. We deliver customizations that many competitors avoid, combining agility and flexibility with end-to-end solution design expertise.
Expert-to-Expert Collaboration
60+ specialists engage directly with customers across risk, authentication, hosting, onboarding, and DDoS protection. For every area, we connect clients with the right in-house expert, reducing onboarding and migration risk from the very first conversation.
Service Excellence & Platform Reliability
High availability, scalability, and predictable latency. Premium SLA offerings, proactive monitoring, strong service governance, and issuer-centric support.
Trust and certifications
CERTIFIED PAYMENT SCHEMES
1,200+
Banks & Issuers Worldwide
1st Certified ACS Worldwide
EMV 3DS 2.3.1
EMVCo Technical Associate
Official Partner Status
Juniper Digital Awards
Platinum Winner
Mastercard Excellence
in Agility Award
Everything Your Issuing Business Needs. Nothing It Doesn't.
Risk Intelligence
Sustained improvement in issuer fraud and approval KPIs
Protect your cardholders and reduce losses with AI-driven fraud detection embedded in every 3DS transaction. Benefit from proprietary risk models that go beyond consortium-only data. Make smarter decisions with explainable risk scoring that evolves with emerging threats.
- Real-time fraud scoring & decisioning
- Social engineering & ATO protection
- BIN attack detection & prevention
- Data sharing & Cross-channel fraud insights
- Anti-scam prevention
User Experience
Authentication innovation & Future-Proofing
Keep your conversions high with fast, low-friction authentication designed around cardholders’ experience. Move beyond compliance-driven authentication to a modern approach that delivers seamless, low-friction identity assurance.
- Passkeys, Push notifications and biometric authentication, OTP with MFA
- Risk-based, context-aware flows
- Fully brandable experience
- Multi-channel support (app, SMS, email)
Compliance
Regulatory & Scheme Governance
Stay Compliant. Stay Ahead. A trusted Access Control Server (ACS) for Issuers navigating a changing regulatory landscape, ensuring continuous readiness for EMV 3DS and scheme mandates, with early adoption of regulatory update.
- Latest EMV 3DS protocol support
- Automated scheme updates
- PSD2 & SCA ready
- Full audit trail & reporting
Reduce Fraud Losses. Protect Your Customers.
Strengthen Your 3DS Defense.
AI & ML-powered, real-time fraud defense that strengthens authentication, improves decisions, and reduces operational effort.
Real-time risk assessment for the right balance of security and convenience.
Choose a ready-to-use RiskShield solution for rapid time to market, or seamlessly integrate it with your existing risk infrastructure to maintain process continuity.
Prevent social engineering fraud: G+D Netcetera 3DScore
Learn MoreStop fully authenticated fraud with a consortium-powered, AI & ML score built on top of expert knowledge that outperforms other industry models and adapts to your fraud team's reality.
- Best in class scoring model.
- GoingBeyond Consortium Data Models
- Transparent Scoring — Issuer control, transparent decisioning, explainable logic. No pure black boxes.
- Advanced Insights — 3DS, device intelligence, behavioral, fraud insights and historical features.
Prevent Social Engineering Fraud
BIN Attack Detection & Prevention
Learn MoreAttackers test Luhn-valid card numbers through 3DS flows to identify valid cards, which are later abused or resold. Our service provides:
- BIN Attack Score for automatic, real-time attack detection.
- RiskShield prevention logic that blocks validation attempts by returning uniform 3DS statuses.
- Detection of attacks distributed over different merchants.
Stop ACS misuse, reduce non-3DS fraud, prevent costly card replacements.
Authentication Method Takeover (ATO) Protection
Learn MoreFraudsters hijack authentication by switching OTP numbers or registering new OOB app instances. We detect and stop ATO using:
- Real-time 3DS registration-data integration.
- Monitoring of changes in device, phone, email, or app instance.
- Behavioral and timing-based risk indicators.
Prevent unauthorized access even when the fraudster controls the authentication method.
Cross-Channel Fraud Pattern Detection
Learn MoreFraud often spans authentication and authorization — but investigations remain siloed. We unify fraud detection by providing:
- Enriched 3DS data for real-time authorization decisioning.
- Integrated case investigation between authentication & authorization.
Investigate faster, reduce false positives, and make more accurate decisions.
External Fraud Marks Integration
Learn MoreRiskShield consumes fraud marks coming from authorization or chargeback flows to strengthen real-time scoring. Capabilities include:
- Near-real-time fraud flagging.
- Improved model performance.
- Offline model training & verification.
Reduce manual work, automate risk scoring, and align fraud intelligence across channels.
Advanced Risk Analysis & Attribute Verification
Learn MoreTransactions on new or high risk cards can be challenging due to limited historical behavior. Our Cardholder Master Data Integration provides advanced risk analysis, attribute verification, and specialized protection whether for crypto, new portfolios, or other sensitive transactions.
- Name & Attribute Matching to prevent fraud across portfolios
- Reduced false positives for new cards
- Improved case handling & Real-time status visibility
Deliver safer transactions with minimal customer friction and deeper risk insights.
NEXT-GENERATION RISK INTELLIGENCE
3DScore – Next Generation Risk Intelligence
Stop Fraud. Control False Positives.
3DScore helps Issuers reliably decline fraudulent transactions while minimizing false positives. Built on consortium data, AI, machine learning, and expert knowledge, it continuously evolves with customer feedback for superior predictive power.
Why Issuers Choose 3DScore
Proven Performance
Best in class scoring model.
Full Transparency
Not a pure Black-Box - Issuers control thresholds and understand every factor behind high-risk scores
Broader Insights
Combines cross-issuer data, device & behavioral signals, 3DS-specific indicators, and external fraud marks
Seamless Integration
Fast rollout, flexible data exports, and compatible with third-party risk engines
Next-Generation Scoring
Unlike "black-box" ML tools, 3DScore blends AI, ML, and human expertise for accurate, actionable fraud prevention at scale.
Take Control of Fraud. Make Data-Driven Decisions. Scale Confidently.
Your Brand. Your Experience. Their Trust.
Our 3DS challenge screens are fully brandable. Match your bank's premium mobile app design so cardholders feel confident, not confused during authentication.
Full White-Label
Colors, logos, typography, and texts — all customizable to your brand.
WCAG & EAA Compliant
All 3DS challenge screens meet WCAG 2.1 AA and European Accessibility Act (EAA) standards — inclusive authentication for every cardholder.
Brandable challenge screen preview
{
"acsTransactionId": "a5b86c4e-0caa-11e8-ba89-eed5f89f7188",
"cardId": "xyz-1234567890",
"applicationId": "app-123456789",
"transactionDetails": {
"maskedCardNumber": "************1234",
"purchaseDate": "2026-01-15T17:32:28Z",
"merchantName": "ACME Corporation",
"purchaseAmount": 1200.12,
"purchaseCurrency": "USD"
},
"threeDSRequestorAppURL": "https://requestor.merchant.com?mac3e8-0dfa-45d7-95c1-"
}
Developer Experience
Cloud-Native. API-First.
Build for modern development teams.
Cloud deployment
RESTful APIs
Integrate in Days Not Months
99.9% SLA
Zero-Friction Onboarding & Migration.
Minimal Issuer Effort.
Dedicated Onboarding Team and Dedicated Customer Support Executive Gets you on Board in Days
Onboarded 1,200+ Issuers, including those with complex integration requirements
Built for ease of use, requiring minimal effort from internal issuer teams
Smooth transition to day-to-day operations, with structured handover and performance guarantees
Trusted by Industry Leaders
See how leading banks, fintechs, and payment providers achieve measurable results with our 3DS solutions
Regulatory requirements are there not to create obstacles for the business but to bring progress within the industry. In this case, to protect the cardholders and the business from the growing fraud. We made the best use of it. Even though the adaptation and implementation process were...Continue reading
Besides fresh thinking and first-rate technology, Netcetera’s 3DS services are continuously updated. It’s one of the reasons for the outstanding customer experience created by the performance of their ACS system. They inform us and advise on upcoming regulatory requirements...Continue reading
G+D Netcetera's 3DS solution excels in current and coming payment protocols, meets our market’s rules, and significantly enhances security and user experience, aligning perfectly with our customer service goals. Their efficient tools and responsive team ensured a smooth, rapid integration.Continue reading
Our userbase’s security has always been our foremost priority; collaborating with G+D Netcetera ensures that all our merchants, and their customers, are protected against e-commerce fraud and other security risks. By providing SMEs with ACS, it sets up a comprehensive line of defence against cyber...Continue reading
areeba is always an early adopter of cutting-edge technologies to provide its customers with the highest level of fraud protection. We are pleased to launch the OOB with Netcetera, a company that combines quality, reliability, service, and innovation. Everything goes smoothly when you have a ...Continue reading
Together with Netcetera, we have further developed our banking app so that we can provide our customers with an optimized user experience through biometric authentication. This feature is also consistent with our understanding of an advanced online direct bank and digitized processesContinue reading
The Future of Payment Security
Reinventing Issuer Fraud Prevention Beyond 3DS
Moving beyond traditional card-based protection to a modern, cross-channel fraud defense strategy
Data Sharing Platform – Expanding Fraud Defense
A new approach to fraud prevention built to protect customers across every payment channel.
- Secure sharing of fraud signals
- Direct integration into Issuer’s systems
- Support for non-card rails and account-to-account payments
- Foundation for scalable, cross-channel protection
EMVCo Certified
ISAE 3402 Compliant
ISO 27001 Certified
PCI 3DS
PCI DSS