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Ana Vuksanovikj Vanevska
Senior Product Manager Payment Security
Boost your approved transaction
volume by using EMV 3DS 2.2.0
and PSD2 RTS exemptions
2
69% of internet users
purchased online in 2018 *
68% of all purchases
in Germany are made online**
84% of fraud transactions in
CEMEA*** are from CNP
25% of shoppers that avoid online shopping,
worry about payment security or privacy*
* Eurostat; ** BFS 2019 ***VISA CEMEA
REGULATION OR NECESSITY
3DS: Three-Domain Secure
3
Merchant/
Acquirer Domain
MPI/ 3DS Server
+ SDK
Issuer
Domain
Access Control
Server (ACS)
Interoperability
Domain
Directory Server
(DS)
4
 Meets consumer needs for mobile shopping
 Frictionless and challenge flows
 More data exchanged
 3DS SDK – seamless experience
EMV 3DS 2.1.0
 No redirects
3DS SDK
seamless experience
5
Identification and Verification
System Initiated Transactions
Decoupled Authentication
Better User Experience
Promotion of Frictionless Flow – PSD2 Exemptions
reasons for
EMV 3DS 2.2.05
Add card to wallet
1
Whitelist verification
Identification
and validation
Account creation without payment
Non-Payment transactions:
Payments with unknown final amounts
Partial or split payments Agent model
Recurring Payments MOTO
2
3DS Requestor
(System) Initiated
Transactions – 3RI
Authentications when cardholder is offline
3
Maximum waiting time for authentication
Decoupled
Transactions
4 Better User
Experience
5 Promotion of
frictionless flow
PSD2 RTS SCA Exemptions
Low Value Payment
Transaction Risk Analytics
Recurring with Fix amount
Merchant Whitelisting
Delegated Authentication
12
Number of SCA transactions
Number of Exceptions
Number of out-of-scope transactions
Total number of
acquired transactions
Number of e-merchants supporting SCA
Number of e-merchants supporting out-of-scope
Total number of
e-merchants
From 31.03.2020 EBA will request report from NCAs for:
Netcetera (3DS) Products
3DS SDK
3DS ACS eCom
Exemptor
Netcetera 3DS ACS
First EMV 3DS transaction & received Golden
Transaction Award 2019 in "Innovation"
eCom exemptor
Risk assessment and PSD2 compliant exemption
Netcetera 3DS MPI/Server/SDK
1st in Europe and 2nd in the world
EMVCo certified product
Netcetera 3DS DS
Directory server
3DS MPI/Server Directory
Server
14
Ana Vuksanovic Vanevska
Senior Product Manager Payment Security
ana.vanevska@netcetera.com
www.netcetera.com
info@netcetera.com
+389 2 315 4605
Thank you
Visit us at booth P12

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Boost your approved transaction volume - Ana Vuksanovikj Vaneska, Netcetera

  • 1. Ana Vuksanovikj Vanevska Senior Product Manager Payment Security Boost your approved transaction volume by using EMV 3DS 2.2.0 and PSD2 RTS exemptions
  • 2. 2 69% of internet users purchased online in 2018 * 68% of all purchases in Germany are made online** 84% of fraud transactions in CEMEA*** are from CNP 25% of shoppers that avoid online shopping, worry about payment security or privacy* * Eurostat; ** BFS 2019 ***VISA CEMEA REGULATION OR NECESSITY
  • 3. 3DS: Three-Domain Secure 3 Merchant/ Acquirer Domain MPI/ 3DS Server + SDK Issuer Domain Access Control Server (ACS) Interoperability Domain Directory Server (DS)
  • 4. 4  Meets consumer needs for mobile shopping  Frictionless and challenge flows  More data exchanged  3DS SDK – seamless experience EMV 3DS 2.1.0  No redirects
  • 6. Identification and Verification System Initiated Transactions Decoupled Authentication Better User Experience Promotion of Frictionless Flow – PSD2 Exemptions reasons for EMV 3DS 2.2.05
  • 7. Add card to wallet 1 Whitelist verification Identification and validation Account creation without payment Non-Payment transactions:
  • 8. Payments with unknown final amounts Partial or split payments Agent model Recurring Payments MOTO 2 3DS Requestor (System) Initiated Transactions – 3RI
  • 9. Authentications when cardholder is offline 3 Maximum waiting time for authentication Decoupled Transactions
  • 11. 5 Promotion of frictionless flow PSD2 RTS SCA Exemptions Low Value Payment Transaction Risk Analytics Recurring with Fix amount Merchant Whitelisting Delegated Authentication
  • 12. 12 Number of SCA transactions Number of Exceptions Number of out-of-scope transactions Total number of acquired transactions Number of e-merchants supporting SCA Number of e-merchants supporting out-of-scope Total number of e-merchants From 31.03.2020 EBA will request report from NCAs for:
  • 13. Netcetera (3DS) Products 3DS SDK 3DS ACS eCom Exemptor Netcetera 3DS ACS First EMV 3DS transaction & received Golden Transaction Award 2019 in "Innovation" eCom exemptor Risk assessment and PSD2 compliant exemption Netcetera 3DS MPI/Server/SDK 1st in Europe and 2nd in the world EMVCo certified product Netcetera 3DS DS Directory server 3DS MPI/Server Directory Server
  • 14. 14 Ana Vuksanovic Vanevska Senior Product Manager Payment Security ana.vanevska@netcetera.com www.netcetera.com info@netcetera.com +389 2 315 4605 Thank you Visit us at booth P12