Company Database - Netcetera

We create software that matters. We believe that everyone deserves digital payment excellence!


As market leader for payment security, we offer innovative digital payment solutions with a strong focus on convenience, security, and mobile use. Our customers rely on our high-quality, scheme certified products for 3-D Secure, mobile contactless payment, digital wallets, risk-based and convenient authentication, or digital banking apps for optimised banking.

Target group 

Supported regions
Headquartered in Zurich, Switzerland with additional locations in 18 cities across Europe, Middle East, and Asia and serving clients worldwide.

Member of industry association and/or initiatives
EMVCo Associate & Member of the Board of Advisors, Mobey Forum, Mastercard Engage Partner, Visa Ready Partner

Core solution/problems the company solves
The Risk Based Authentication engine is part of our 3DS ACS product, enabling our clients to deliver a frictionless digital payment experience and higher security to their end customers.

Cloud enabled

Data input
Online authentication

Physical biometrics yes - via third party
Device fingerprinting yes - via third party
Geo-location yes - via third party
Mobile app push yes - via third party
3-D Secure 2.0 yes
Hardware token yes - via third party
One-time passwords yes
Knowledge-based authentication yes

Abuse list yes - via third party
Monitoring yes - via third party
Address verification yes - via third party

Supervised ML

Case management
Decision orchestration

Business model
Pricing model

Pricing is per transaction and based on volume and complexity.

Fraud prevention partners
Riskshield by Inform

Year over year growth rate

Number of employees
More than 800 employees worldwide

Future developments
eCom Tokenization, Click To Pay, Delegated Authentication, PSD2 Exemption Advisor

Customers reference
Over 300 issuers and most of the leading banks from Germany, Austria, and Switzerland rely on Netcetera's 3DS and authentication services. More than 150,000+ merchants worldwide use 3DS acquiring services and products from Netcetera.
For references and customer testimonials please visit