Strong partners: DKB and Netcetera

Smooth and convenient online payments with Visa Debit

One card for everything: The software company Netcetera, a market leader for 3-D Secure in the DACH region, has successfully supported Deutsche Kreditbank AG (DKB) in its transition to a one-card strategy. Using Netcetera’s SCA-compliant 3DS ACS, DKB increases its success rates for Visa Debit payment transactions.

Digital payments are everywhere: in web stores, in apps, and at the checkout with a smartphone. To meet the diverse use cases of its more than 5.2 million customers, DKB introduced the free Visa Debit card at the end of 2021 as a top-of-wallet card for the DKB checking account. Netcetera, as a proven expert for secure digital payment, has successfully accompanied this path with its 3-D Secure products.

The Netcetera Access Control Server (ACS) is the backbone of the project, as the 3DS product is certified according to the latest protocols and, at the same time, supports all PSD2 exemptions. Secure two-factor authentication (SCA) of cardholders is ensured, while the user experience is optimized with convenient authentication methods. DKB makes use of the management functions of the ACS. Netcetera is also able to react flexibly and agilely to technical requirements, for example, the new DKB Banking App was integrated for DKB.

"We are pleased to have Netcetera as a strong partner at our side. They provide us with custom-fit digital business solutions for digital life, creating real added value for the user experiences of our more than 5.2 million customers. Smooth and reliable processing of online payments around the clock!", says Maren Heiß, Head of Retail Banking at DKB.

Bernhard Binz, Director Sales at Netcetera, adds: “As an existing partner for the DKB Visa Credit cards, we have once again convinced DKB with our flexible yet extremely economical platform. The second largest direct bank in Germany also chose Netcetera in its search for the best possible partner for the new processing solution for Visa Debit.”

DKB already relied on Netcetera in 2019, modernizing the 3-D Secure process for its customers and integrating payment approval via biometrics. This latest implementation of Netcetera ACS and Visa Debit is another example of their successful cooperation.


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