3-D Secure Quality Assurance Platform

Quality defines a product

Enable a fast and smooth scheme onboarding

With the schemes’ mandates for EMV® 3DS, an increasing number of merchants and payment service providers are going live with new 3-D Secure solutions. The quality of their 3-D Secure implementation is especially crucial for the merchants striving to optimize the user experience for the consumer.

Merchants, PSPs and acquirers using the Netcetera Quality Assurance Platform can onboard a scheme's latest EMV® 3-D Secure 2.x Directory Server regardless of ACS provider readiness.

Card issuers using the Netcetera Quality Assurance Platform can start testing their integration on a scheme's latest EMV 3-D Secure 2.x Directory Server independently from merchants', acquirers' and PSPs' readiness.

Netcetera offers an entire test suite (3-D Secure Access Control Server, 3-D Secure Directory Server, 3-D Secure Server/SDK) supporting card issuers as well as merchants and payment service providers to ensure the quality of 3-D Secure and to enable a fast and smooth onboarding.

Merchant/PSP Quality Assurance Platform (MQAP)

  • Secured online registration portal for merchants
  • Testing with test credit or test debit cards issued by the scheme
  • Pre-defined test scenarios per card in the limit of the supported test categories
  • QAP ACS responds with a predefined authentication method / no authentication
  • needed for a given test case and card
  • The Netcetera QAP supports the 3DS protocol versions 2.1, 2.2  and 2.3.1 (Directory Server currently in certification process
  • The platform runs on the Netcetera state-of-the-art ACS and supports use cases
  • based on the EMV® v2.1 and v2.2 specification
  • Scheme specific 3DS protocol restrictions or extensions (according to the scheme rulebook) are supported

Issuer Quality Assurance Platform (IQAP)

  • Issuers will access the platform in a secured way and will be required to enter credentials known by the scheme
  • The testing program runs on the Netcetera Demo Merchant (NDM) web application.
  • The Netcetera Demo Merchant provides a 3DS browser-based authentication checkout experience with all required payment details
  • IQAP provides the ability to test an ACS by performing transactions with test cards that have been setup for different scenarios
  • Issuers can conduct testing using their current infrastructure, with no additional configuration or updates required.
  • Test cards & test scenarios are configured/provided by card issuers within the limit of the supported test categories

EMVCo® certified solutions for all domains

3DS Server

Authenticates and verifies the cardholder according to EMV 3DS 2.x. Available as an on-premise solution or as SaaS.

3-D Secure Directory Server

Your solution to act in the 3DS environment connecting issuers and acquirers.


3-D Secure Issuer Service

State-of-the-art ACS supporting 3-D Secure 1.0 and EMV® 3DS 2.1, 2.2 and 2.3.1 version protocols.


What makes us the best choice?

Proven 3DS Expertise

We offer the entire 3DS suite (3DS Server, ACS, and DS). As an EMVCo technical associate, you can fully rely on our long experience in testing and certification of 3-D Secure products

Tailored to your business

We provide you with a flexible and highly configurable product according to your business needs. Based on your own scheme rules, you can shape and provide an outstanding customer experience.

Quality assurance

We make sure that our product is always up-to-date with latest protocol versions and industry standards


Netcetera is Mastercard's exclusive 3-D Secure test partner, helping online merchants and card issuers to improve their conversion rates and to meet PSD2 requirements.

Mastercard Issuing Testing Platform

Netcetera's Quality Assurance Platform helps card issuers test their end-to-end app-based authentication flow.

Mastercard PSD2 Merchant Testing Platform

Netcetera's Quality Assurance Platform helps merchants and payment service providers become PSD2 compliant.

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