Enhance user-friendliness and deliver a compelling payment experience

Continuous improvement of every aspect of the online payment process remains an ongoing necessity. Adjusting the complex digitalisation behind the payments to the specific business needs is possible only by using top-quality solutions. Such is Netcetera’s 3-D Secure Issuer solution, that leverages the power of innovative payment solutions and integrates the right features that align with specific business needs.

The 3-D Secure Issuer Service of Netcetera meticulously examines and enhances every aspect of the online payment process. It enables its users to gain exceptional control, allowing them to closely monitor, configure, and fine-tune their online payment system according to their unique requirements and business objectives.

Netcetera’s 3-D Secure Issuer solution incorporates various tools, including:

  • Risk tool: Enables precise fraud assessment and reduces false declines through advanced risk scoring.

  • Exemptions from SCA: Facilitates frictionless transactions while complying with PSD2 regulations.

  • Multiple enrollment methods for SCA: Ensures a wide range of cardholders are eligible for SCA.

  • Out-of-Band (OOB) authentication: Offers a convenient and secure two-factor biometric authentication method, enhancing security with minimal disruption.

  • Challenge screens: Adheres to the latest UX and UI design standards, guiding cardholders through successful authentication.

  • Monitoring and reporting tool: Identifies areas of improvement and tracks overall performance.

"By combining risk assessment, exemptions from Strong Customer Authentication (SCA), and Out-of-Band (OOB) authentications, the Company creates a streamlined and user-friendly payment experience that saves time and costs."

The self-learning Risk scoring tool, powered by patented fuzzy logic technology and intelligent profiling, powers the issuers to decide if they ll challenge the transaction, will authenticate it without challenges or will decline it. It provides the essentials needed for a payment flow to be both frictionless and secure. Combining it with our Monitoring and Reporting tool streamlines the decision-making process. The combined impact of risk assessment, exemptions from SCA, and OOB authentication results in a seamless payment flow, significant time and cost savings, improved security through transaction risk assessment, and the elimination of password risks. The simplified OOB authentication method offers a more accessible alternative to OTP messages, particularly for younger generations, further enhancing user-friendliness.

Although the payment market was suspicious that the enforcement of the PSD2 regulation might negatively impact the e-commerce rates, Netcetera’s solution proved the possibility to achieving a frictionless and successful payment rate while meeting or surpassing pre-PSD2 enforcement levels and complying with all regulatory requirements. It empowers card issuers with control mechanisms, supporting their modernisation efforts and fostering trust in e-commerce. Furthermore, its exceptional configuration options and short delivery cycles ensure adaptability to the rapidly evolving fraud landscape and ever-changing regulatory environment.

Regarding regulatory compliance, the 3-D Secure Issuer solution fully adheres to regulations and has a dedicated team of experts available 24/7 to guide customers throughout their journey. As an industry leader, Netcetera 3-D Secure Issuer Service is at the forefront of deploying the latest technologies and industry standards, such as PCI-DSS, PCI-3DS, and the EMV® 3-D 2.3.1 payment protocol. This enables optimal utilisation of the latest norms and drives continuous improvement in e-commerce performance.

"In summary, the 3-D Secure solution of Netcetera provides progressive components necessary for a payment flow that is both frictionless and secure, guaranteeing a seamless and satisfying payment experience for all parties involved."

More stories

On this topic