3-D Secure Issuer Service

A modern EMV 3-D Secure solution for issuers, combining AI-driven risk intelligence with low-friction authentication to cut fraud and protect approval rates.

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Fraud prevention built for issuers, at scale

Reduce Fraud Losses. Protect Your Customers. Strengthen Your 3DS Defense.

Built on your own data

Every score and detection draws on data only the issuer holds: transaction history, registration changes, cardholder records and more, for a fuller picture than scheme-level scoring alone.

Stops what scheme scores miss

Card testing, account takeover and social engineering often pass standard checks unnoticed. Dedicated detection catches each pattern in real time, before it reaches your cardholders

No rip-and-replace

Every capability plugs into the existing ACS and fraud environment, so issuers add protection without replacing tools or disrupting current workflows.

Benefits of 3-D Secure Issuer Service

What sets us apart: Industry-leading fraud prevention, tailored solutions and hands-on expert support

Premium fraud prevention

An integrated, real-time fraud defense framework, enhanced with AI and machine learning, strengthens authentication and reduces operational effort on decisioning.

Tailored solutions

Major issuers need customization, not generic tools. We deliver end-to-end solution design with the agility and flexibility that many competitors avoid.

Expert-to-expert collaboration

Over 60 specialists work directly with your team across risk, authentication, hosting, onboarding and DDoS protection, reducing migration risk from day one.

Fraud-prevention capabilities your issuing business needs

Four capabilities that detect fraud your existing tools miss, working together or on their own

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.

A real-time per-transaction risk score, built from data sources only the issuer holds, gives a fuller picture of risk than generic models. Issuers set their own threshold and detect up to 33% more fraud, with controlled false positive rates.

Card testing attacks run huge lists of Luhn-valid card numbers through 3DS flows to identify valid cards, later abused outside the 3DS channel or sold. Our solution detects attacks in real time, blocks validation attempts with uniform responses, and correlates detection across merchants.

Stops ACS misuse, reduces non-3DS fraud, prevents costly card replacements.
Platinum Award, Fraud Prevention – Juniper Research Future Digital Awards 2025.

Fraudsters who phish a cardholder into re-registering their phone number or out-of-band app instance to a new device gain control of the authentication challenge that card receives, so normal 3DS challenges do not stop them.

Our solution uses real-time 3DS registration-data integration to flag registration changes the moment they happen, before the next transaction can be authenticated, stopping account takeover at the source rather than after the fraud occurs.

Issuers hold rich cardholder data - name, status, age, history - that isn't visible to the fraud decision system, often driving more challenges for new or high-risk cards with limited history.

Our cardholder master data brings that data into every decision in real time: catching phishing at crypto merchants by comparing names, cutting false declines on new cards, and giving investigators the full picture instantly.

Benefits of 3-D Secure Issuer Service for your customers

Fast, secure authentication that protects cardholders without slowing them down

Seamless authentication

Passkeys, biometrics, push notifications, EUDI-Wallet integration, and OTP (One-Time-Password) with MFA (replace slow, generic verification, so cardholders confirm payments in seconds, not minutes).

Consistent brand experience

Fully brandable challenge screens match your bank's premium mobile app design so cardholders feel confident, recognizing your bank when it matters most, not a generic third-party page.

Protection that stays invisible

Challenge only the transactions that need it, keeping low-risk payments frictionless across app, SMS and email channels.

Trusted at scale

Numbers that reflect years of certification work and hands-on support for issuers globally

banks and issuers worldwide

certified ACS worldwide

in-house specialists on call

Trusted by industry leaders for over 30 years

Besides fresh thinking and first-rate technology, G+D 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, while their anti-fraud services keep us ahead of fraud trends.”

Markus Graf-Marschallek,
Head of Card Service & Fraud Management Cards, Erste Bank

Together with G+D 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 processes."

Mark Hauel,
Head of Private Customers, DKB

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 criminals, saving merchants both time and money.”

David Tatarishvili
Head of Business Operations Banking Tribe, SumUp

Besides fresh thinking and first-rate technology, G+D 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, while their anti-fraud services keep us ahead of fraud trends.”

Markus Graf-Marschallek,
Head of Card Service & Fraud Management Cards, Erste Bank

Together with G+D 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 processes."

Mark Hauel,
Head of Private Customers, DKB

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 criminals, saving merchants both time and money.”

David Tatarishvili
Head of Business Operations Banking Tribe, SumUp

Built for developers, backed by compliance

How the platform plugs into your setup, decides in real time, and stays compliant

Architecture and Integration

Cloud-native, API-first: 3DScore, BIN Attack Score, registration data and cardholder master data integrate via RESTful APIs directly into your existing ACS and fraud environment; no rip-and-replace, integrate in days not months.

Detection and prevention run in real time, 24/7. Every rule can be simulated on historical data in RiskShield before going live. A dedicated onboarding team gets you live fast, with minimal effort on your side.

From score to decision

A 3DS transaction enters the ACS, 3DScore is computed from data only the issuer holds, and the score is used on its own or combined with existing knowledge-based rules in RiskShield.

A decision, approve, step-up, decline or alert, is returned in milliseconds. Example rule: trigger step-up authentication above one score, decline and alert above a higher one.

Security and compliance

Stay compliant, stay ahead. Full support for the latest EMV 3DS protocol, automated scheme updates, and PSD2 and SCA readiness, backed by a complete audit trail and reporting.

Certified to EMVCo, ISAE 3402, ISO 27001, PCI 3DS, and PCI DSS standards. Continuous, automated monitoring and alerting keep your issuing business audit-ready and secure, without adding operational burden on your teams