From Compliance to Conversion to Happy Customers: Upgrade to EMV® 3-D Secure 2.x

Convenience is the backbone of e-commerce and is one of the main reasons why online shopping has boomed over the last few years. More than 25% of today’s shoppers abandon their carts because they feel the process is too long or confusing.  

Customer expectations are at an all-time high, and they expect every aspect of their online shopping experience to be safe, seamless, and convenient – and payments are no exception. A poor payment experience can have an immediate impact. Therefore, it's critical for e-merchants to refine and optimize the payment journey, striking a balance between security and convenience.

G+D, together with Netcetera, is committed to improve every aspect of the customer journey. We enable e-commerce transactions in the most secure way, provide a seamless checkout experience, and assist with everything in between.

We can help you build a superior e-commerce experience for your customers and enhance your business's success by helping you transition smoothly to EMV® 3-D Secure 2.x!


Unlock the power of EMV® 3-D Secure 2.x for the Indian market

Download our Whitepaper for exclusive insights!


Why upgrade to EMV® 3-D Secure 2.x?


EMV® 3DS 2.x is an industry authentication protocol that enables the secure processing of payment, non-payment and account confirmation card (debit & credit) transactions
EMV® 3DS 2.x protocol does not only meet the Strong Customer Authentication (SCA) compliance, but also offers the possibility to dramatically improve the user experience with the frictionless flow.
EMV® 3DS 2.x supports mobile checkout flows and Netcetera SDK component allows merchants to integrate EMV® 3DS authentication natively and invisibly into their mobile apps ensuring a consistent look and feel which is easily recognized by customers.
As we approach October 2023, major card networks (Mastercard, Visa & Amex) will sunset the usage of 3DS 1.0 and will support only
EMV® 3DS 2.1 or higher. 

Benefits to Merchants, PSPs & Payment Gateway:

  • Significant reduction in cart abandonment rate from an industry average of 70% 
  • Higher approval rate with 10x more data points exchanged and used for transactions risk assessment 
  • Up to 85% lower transaction time, thereby faster checkouts 
  • Improved efficiency by balancing the approvals and fraud (up to 80% and more approvals)
  • Reduce risk for non-authenticated transactions, associated refunds and lost revenue
  • Improve the cardholder experience during online shopping 

∼ 70%
reduction in cart abandonment rate

≥ 80%
increase efficiency through approvals

> 10x
data points for higher approval rates

G+D is present in India for 20+ years and has invested in Netcetera, the global digital powerhouse for 26+ years. We together bring decades of experience and global expertise in  authenticating online transactions. Our 3DS Server is 1st in Europe and 2nd in the world EMVCo-approved product, compliant with EMV® 3DS 2.x protocol and schemes’ EMV® 3DS 2.x programs. Our 3DS Server and 3DS SDK are already fully 3DS 2.3.1 certified.


Reasons to partner with us:

  1. Superfast rollout in 2 to 4 weeks in a very agile manner
  2. Consistently the first to implement new EMV® 3DS specifications from the past 10+ years
  3. 10+ years of experience in serving 80+ acquirers/PSPs, 200K+ merchants and processing 36 Mn+ transactions/month from SaaS setup
  4. Strategic and business advisor on the board of EMVCo

MPE 2023 Award

for Netcetera's 3-DS Server and 3-DS SDK solutions


MEA Finance Banking Technology Award 2023

for Netcetera’s best issuer and acquirer solution

For a superfast checkout experience, Netcetera’s 3-DS is available in two models


3-DS Server on premise

  • Enables full control over the software and system architecture 
  • Test application with demo web shop, Directory Server and Access Control Server for integration testing  
  • PCI ready product compliant with the major schemes 3-D Secure programs (VISA, Mastercard, Amex, JCB, Diners/Discover, UnionPay) 

3-DS Server SaaS Setup

  • Hosted on Netcetera cloud payment platform providing a highly-secured & highly-available infrastructure using one of the world’s leading cloud service  providers 
  • Admin UI for data configuration, transaction search and user access management 
  • Test environment with simulated Directory Server and Access Control Server for integration testing 

“Netcetera were quick to react to our needs and ensured a smooth process from start to finish."

Kristian Xiang

Head of Global Acquiring at LianLian Global

“During our eva­lu­a­tion, Netcetera stood out as partner due to product and service quality, and the fact that their so­lu­tions have proven them­selves in the field throughout Europe and beyond. We believe their 3-DS server to be the most reliable and viable product to support secure, yet fast and con­venient, trans­actions for our clients. The smooth and efficient imple­men­tation was living up to expec­tations with Netcetera's pro­fes­sional support.”

Le Tanh

General Director VNPAY

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.EMV®.