Enhance user-friendliness and deliver a compelling payment experience

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.