Trusted solutions for the financial services industry

Every customer interaction is a moment of trust, whether it's a digital payment, a banking login, or an identity check. We power the trust architecture behind those moments for banks, payment providers, and insurers across Europe.

Why financial institutions choose G+D Netcetera

For decades, we’ve built the digital foundations trusted by Europe’s leading financial institutions – spanning authentication, digital banking, payments, identity and core systems. We understand regulation, integration complexity, and security inside out, because we’ve solved them in high-stakes environments where failure isn’t an option. 
Domain depth over breadth  

We specialize in the regulatory complexity of European financial services. That expertise is in the architecture of every product we ship.

Security without friction    

Our 3DS and identity solutions protect every transaction without interrupting the customer journey. 

European by design 

Built for European data sovereignty, PSD2, eIDAS 2.0, and DORA. From the ground up, not retrofitted.

A long-term partner 

We have worked alongside our clients for decades through every migration, regulation, and market shift.

Our applications and services

One digital solutions partner for every layer of the financial stack: from customer-facing applications to the authentication layer underneath.

Digital solutions built for how finance works

From issuing banks to acquirers, from retail banking to pension funds: Our solutions address the specific demands of the financial ecosystem.
Authentication your cardholders won't notice
3DS authentication and fraud prevention that protects card transactions without disrupting the checkout flow. Certified with all major card networks. 
Payments that convert, not just authenticate
3DS server, eCOM tokenization, and Click to Pay solutions that increase approval rates and reduce fraud liability. 
Banking solutions your customers keep coming back to
Web and mobile banking, financial advisory interfaces, and digital onboarding – built to earn and keep your customers’ trust at every interaction.
Pension administration, without the complexity
End-to-end pension technology for pension funds: scalable, compliant, and built specifically for the Swiss pension market.
2500.00
Financial institutions across Europe trust our solutions

Financial institutions across Europe rely on our digital solutions for the authentication, the identity checks, and the digital banking moments that matter most to their customers.


1200.00+
Experts across Europe
1B
3DS and Giro transactions processed yearly
160.00K
Banks and merchants trust us
30+
Industry awards in the last decade

Real institutions. Real challenges. Real results.

See how we work alongside clients to solve the problems that matter.
Mobile banking for over 130,000 customers
Together with Valiant and finnova, we built a reliable mobile banking application that gives customers full control over their personal finances on any device.
Label wallet brings payment features to customers
We extended payment capabilities directly into PSA's ecosystem, secure, fast, and integrated without disrupting existing infrastructure.
Token lifecycle management, unified across hundreds of banks
Atruvia manages tokenization across hundreds of cooperative banks in Germany. Fragmented card network APIs meant inconsistent workflows and slow rollouts. We delivered a single scheme-agnostic platform that automated and unified the entire token lifecycle.
A new app. 180 days. One million users
We delivered SIX's new application from start to launch in 180 days. The sign-up numbers that followed confirmed the brief was right.
Click to Pay live for thousands of European merchants
GPE used G+D Netcetera's Click to Pay SaaS solution to give thousands of merchants on its GP webpay gateway a one-click checkout. What started with a 3DS Server partnership expanded to the first white-label, scheme-independent Click to Pay deployment in the Czech Republic.
Mobile banking for over 130,000 customers
Together with Valiant and finnova, we built a reliable mobile banking application that gives customers full control over their personal finances on any device.
Label wallet brings payment features to customers
We extended payment capabilities directly into PSA's ecosystem, secure, fast, and integrated without disrupting existing infrastructure.
Token lifecycle management, unified across hundreds of banks
Atruvia manages tokenization across hundreds of cooperative banks in Germany. Fragmented card network APIs meant inconsistent workflows and slow rollouts. We delivered a single scheme-agnostic platform that automated and unified the entire token lifecycle.
A new app. 180 days. One million users
We delivered SIX's new application from start to launch in 180 days. The sign-up numbers that followed confirmed the brief was right.
Click to Pay live for thousands of European merchants
GPE used G+D Netcetera's Click to Pay SaaS solution to give thousands of merchants on its GP webpay gateway a one-click checkout. What started with a 3DS Server partnership expanded to the first white-label, scheme-independent Click to Pay deployment in the Czech Republic.
Mobile banking for over 130,000 customers
Together with Valiant and finnova, we built a reliable mobile banking application that gives customers full control over their personal finances on any device.
Label wallet brings payment features to customers
We extended payment capabilities directly into PSA's ecosystem, secure, fast, and integrated without disrupting existing infrastructure.
Token lifecycle management, unified across hundreds of banks
Atruvia manages tokenization across hundreds of cooperative banks in Germany. Fragmented card network APIs meant inconsistent workflows and slow rollouts. We delivered a single scheme-agnostic platform that automated and unified the entire token lifecycle.
A new app. 180 days. One million users
We delivered SIX's new application from start to launch in 180 days. The sign-up numbers that followed confirmed the brief was right.
Click to Pay live for thousands of European merchants
GPE used G+D Netcetera's Click to Pay SaaS solution to give thousands of merchants on its GP webpay gateway a one-click checkout. What started with a 3DS Server partnership expanded to the first white-label, scheme-independent Click to Pay deployment in the Czech Republic.
Mobile banking for over 130,000 customers
Together with Valiant and finnova, we built a reliable mobile banking application that gives customers full control over their personal finances on any device.
Label wallet brings payment features to customers
We extended payment capabilities directly into PSA's ecosystem, secure, fast, and integrated without disrupting existing infrastructure.
Token lifecycle management, unified across hundreds of banks
Atruvia manages tokenization across hundreds of cooperative banks in Germany. Fragmented card network APIs meant inconsistent workflows and slow rollouts. We delivered a single scheme-agnostic platform that automated and unified the entire token lifecycle.
A new app. 180 days. One million users
We delivered SIX's new application from start to launch in 180 days. The sign-up numbers that followed confirmed the brief was right.
Click to Pay live for thousands of European merchants
GPE used G+D Netcetera's Click to Pay SaaS solution to give thousands of merchants on its GP webpay gateway a one-click checkout. What started with a 3DS Server partnership expanded to the first white-label, scheme-independent Click to Pay deployment in the Czech Republic.
Mobile banking for over 130,000 customers
Together with Valiant and finnova, we built a reliable mobile banking application that gives customers full control over their personal finances on any device.
Label wallet brings payment features to customers
We extended payment capabilities directly into PSA's ecosystem, secure, fast, and integrated without disrupting existing infrastructure.
Token lifecycle management, unified across hundreds of banks
Atruvia manages tokenization across hundreds of cooperative banks in Germany. Fragmented card network APIs meant inconsistent workflows and slow rollouts. We delivered a single scheme-agnostic platform that automated and unified the entire token lifecycle.
A new app. 180 days. One million users
We delivered SIX's new application from start to launch in 180 days. The sign-up numbers that followed confirmed the brief was right.
Click to Pay live for thousands of European merchants
GPE used G+D Netcetera's Click to Pay SaaS solution to give thousands of merchants on its GP webpay gateway a one-click checkout. What started with a 3DS Server partnership expanded to the first white-label, scheme-independent Click to Pay deployment in the Czech Republic.
Mobile banking for over 130,000 customers
Together with Valiant and finnova, we built a reliable mobile banking application that gives customers full control over their personal finances on any device.
Label wallet brings payment features to customers
We extended payment capabilities directly into PSA's ecosystem, secure, fast, and integrated without disrupting existing infrastructure.
Token lifecycle management, unified across hundreds of banks
Atruvia manages tokenization across hundreds of cooperative banks in Germany. Fragmented card network APIs meant inconsistent workflows and slow rollouts. We delivered a single scheme-agnostic platform that automated and unified the entire token lifecycle.
A new app. 180 days. One million users
We delivered SIX's new application from start to launch in 180 days. The sign-up numbers that followed confirmed the brief was right.
Click to Pay live for thousands of European merchants
GPE used G+D Netcetera's Click to Pay SaaS solution to give thousands of merchants on its GP webpay gateway a one-click checkout. What started with a 3DS Server partnership expanded to the first white-label, scheme-independent Click to Pay deployment in the Czech Republic.
Mobile banking for over 130,000 customers
Together with Valiant and finnova, we built a reliable mobile banking application that gives customers full control over their personal finances on any device.
Label wallet brings payment features to customers
We extended payment capabilities directly into PSA's ecosystem, secure, fast, and integrated without disrupting existing infrastructure.
Token lifecycle management, unified across hundreds of banks
Atruvia manages tokenization across hundreds of cooperative banks in Germany. Fragmented card network APIs meant inconsistent workflows and slow rollouts. We delivered a single scheme-agnostic platform that automated and unified the entire token lifecycle.
A new app. 180 days. One million users
We delivered SIX's new application from start to launch in 180 days. The sign-up numbers that followed confirmed the brief was right.
Click to Pay live for thousands of European merchants
GPE used G+D Netcetera's Click to Pay SaaS solution to give thousands of merchants on its GP webpay gateway a one-click checkout. What started with a 3DS Server partnership expanded to the first white-label, scheme-independent Click to Pay deployment in the Czech Republic.
Mobile banking for over 130,000 customers
Together with Valiant and finnova, we built a reliable mobile banking application that gives customers full control over their personal finances on any device.
Label wallet brings payment features to customers
We extended payment capabilities directly into PSA's ecosystem, secure, fast, and integrated without disrupting existing infrastructure.
Token lifecycle management, unified across hundreds of banks
Atruvia manages tokenization across hundreds of cooperative banks in Germany. Fragmented card network APIs meant inconsistent workflows and slow rollouts. We delivered a single scheme-agnostic platform that automated and unified the entire token lifecycle.
A new app. 180 days. One million users
We delivered SIX's new application from start to launch in 180 days. The sign-up numbers that followed confirmed the brief was right.
Click to Pay live for thousands of European merchants
GPE used G+D Netcetera's Click to Pay SaaS solution to give thousands of merchants on its GP webpay gateway a one-click checkout. What started with a 3DS Server partnership expanded to the first white-label, scheme-independent Click to Pay deployment in the Czech Republic.

Latest Insights

The Friendly Fraud Problem

The Friendly Fraud Problem

First-party misuse is now the world’s leading type of fraud, yet it is almost impossible to spot at checkout. Discover why friendly fraud is rising, what it costs the payments industry, and how better data sharing could help distinguish genuine disputes from deliberate abuse.

Wow!Banking initiative

Wow!Banking initiative

G+D Netcetera is a founding member of the Wow!Banking initiative in Germany. The initiative brings together experts from technology, consulting, academia, and practice to give the German financial market new impulse.