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Boost your approved transaction volume - Ana Vuksanovikj Vaneska, Netcetera

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Boost your approved transaction volume by using EMV 3DS 2.2.0 and PSD2 RTS exemptions

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Boost your approved transaction volume - Ana Vuksanovikj Vaneska, Netcetera

  1. 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. 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. 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. 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
  5. 5. 3DS SDK seamless experience 5
  6. 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. 7. Add card to wallet 1 Whitelist verification Identification and validation Account creation without payment Non-Payment transactions:
  8. 8. Payments with unknown final amounts Partial or split payments Agent model Recurring Payments MOTO 2 3DS Requestor (System) Initiated Transactions – 3RI
  9. 9. Authentications when cardholder is offline 3 Maximum waiting time for authentication Decoupled Transactions
  10. 10. 4 Better User Experience
  11. 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. 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. 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. 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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