The SDK enables configurable device data collection, the information that helps an issuer's risk system decide whether to approve a transaction frictionlessly.
Better risk scoring, more frictionless transactions.
Full support for both EMV 3DS frictionless and challenge flow, handled entirely within the merchant app. When a challenge is needed, it appears inside the app — not in a browser.
Native UI or HTML UI for challenge screens. No redirects, no context loss, no abandonment.
PCI ready product. G+D Netcetera builds both the 3DS SDK and the 3DS Server it communicates with. Testing is done against the actual counterpart, not a simulation.
That difference shows in production — fewer integration surprises and better performance from day one.
Authentication that stays inside the app, completes in seconds, and never confuses the customer is authentication that does not cost you sales. Better user experience, significantly reduced abandonment rate, increased transaction volume.
Designed as a showcase for integration of 3DS SDK in merchant native shopping apps. The Netcetera Demo Merchant (NDM) application for Android and iOS which comes along with the 3DS SDK delivery shows exactly what SDK integration looks like inside a real shopping app.
G+D Netcetera builds the 3DS SDK, the 3DS Server, the Access Control Server, and the Directory Server. The SDK is tested against the actual server-side components, not a third-party simulation. That is a different quality standard, and it shows in integration and in production.
The SDK collects richer, more relevant device context with every authentication request. More context gives the issuer's risk system more signal. More signal means more transactions approved frictionlessly. For a PSP processing meaningful volume, that frictionless rate is a direct revenue driver.
3DS SDK Is compliant with all major schemes’ 3DS programs and updates the schemes certificates automatically. No action from the Customer is needed. Scheme compliancy is fully taken care of.
The vast majority of genuine transactions complete without any challenge at all. The SDK processes authentication invisibly. The customer taps pay, the result comes back clean, and the purchase completes. No interruption, no re-orientation, no reason to abandon.
When a challenge is required, Native UI renders it using the same visual language as the merchant app. The customer never feels like they have been handed off to a different product. The transition is seamless because technically it never happened, they stayed in the app throughout.
Whether the card is Visa, Mastercard, AmEx, or any other supported network, the cardholder gets the same contained, consistent authentication experience. No surprises based on which card they reach for.
Authentication is not PSD2 hygiene. It is the control that decides whether a suspicious payment is stopped early or becomes a loss, a complaint, and a regulator headline. Treat it like the revenue-and-trust lever it is."
The 3DS SDK lives inside the merchant's native mobile app. When a payment is initiated, the SDK: (1) performs device security checks, (2) collects device information, (3) initiates the 3DS authentication request to the 3DS Server, (4) handles the frictionless result or triggers the challenge flow if needed, (5) renders the challenge screen inside the app using Native UI or HTML UI, and (6) returns the authentication result.
The merchant app does not leave the 3DS flow at any point.
As fraud becomes more sophisticated — AI-driven attacks, synthetic identity fraud, device spoofing — the quality of the device data sent in the 3DS authentication request becomes increasingly important.
An SDK that collects richer, more accurately characterized device context gives issuer risk systems better raw material. Better raw material leads to better decisions. Better decisions mean fewer genuine customers challenged and fewer fraudulent transactions approved.
The SDK handles the mobile client side: device data collection, security checks, and the challenge flow if one is triggered inside the merchant app.
The 3DS Server handles the acquirer or PSP side: initiating the authentication request, managing the Directory Server conversation, and processing the response. The SDK and 3DS Server are separate components that work together.
The SDK is the mobile piece — it cannot replace the Server, and the Server alone cannot deliver in-app authentication. Both are needed for a complete EMV 3DS implementation in a native mobile environment.
Native UI renders the challenge screen using native mobile components — the same building blocks as the rest of the merchant app.
The challenge content comes from the ACS, but the presentation is native. It looks and feels like part of the app. HTML UI renders the issuer's own HTML-based challenge screen inside the app — giving the issuer full control over branding and design. Neither option uses a browser redirect.
The right choice depends on whether priority is matching the merchant app experience (Native UI) or giving the issuer maximum flexibility over their challenge design (HTML UI).
Because authentication is a two-way conversation between the SDK and the 3DS Server. When the same team builds both, integration testing is done against the actual counterpart — not a third-party mock that approximates what the Server might do. The device data the SDK collects is designed with the Server's data handling in mind.
The challenge flow the SDK renders is tested against the ACS behaviour the Server expects. That internal coherence shows up as fewer integration surprises and better production performance.
The annual license includes the 3DS SDK for Android and iOS — both with separate EMVCo certifications — comprehensive technical documentation, the Netcetera Demo Merchant app for Android and iOS, full online support, and webinar education sessions.
G+D Netcetera commits to regular product improvements, so as the EMV 3DS specification evolves, the SDK is updated and clients stay current. SDK download requires login to the G+D Netcetera partner portal.
Frictionless authentication happens when the issuer's ACS decides the transaction is low-risk — based on the data it receives. The SDK's role is to maximize the quality and relevance of that data with every authentication request: device fingerprint, payment context, security check results. The richer and more accurate that data, the more transactions the ACS can confidently approve without challenging the cardholder.
Fewer challenges means fewer interruptions at checkout. Fewer interruptions means fewer abandoned carts. Better device data is the upstream cause of the downstream conversion improvement.
The server-side companion to the 3DS SDK. Built by the same team — which is why the data formats are designed to work together. The natural first companion when mobile in-app authentication is in scope.
3DS authentication and Click to Pay are natural partners in mobile commerce. Click to Pay handles payee recognition and one-click checkout. The 3DS SDK handles the in-app authentication when a transaction needs it.
Network tokenization and 3DS authentication address different problems but reinforce each other. The eCOM Tokenizer gives merchants access to major card network token services through a single connection — pair with the 3DS SDK for a complete in-app payment security layer.
The 3DS SDK communicates with the issuer's Access Control Server during authentication. G+D Netcetera also provides the ACS for issuers — so both ends of the authentication conversation can run on G+D Netcetera infrastructure.
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.
G+D Netcetera wins two Juniper Awards 2026 for fraud prevention and digital wallets, as banks rethink their systems landscape for future payments
3DS and SCA are working as designed. So why is UK payment fraud still rising?
G+D Netcetera Becomes an Official AWS Partner, Strengthening Cloud-Based 3DS Solutions
Your Essential Introduction to Passwordless Authentication. Tired of password resets, phishing attacks, and frustrated customers? It's time to discover passkeys—the authentication technology that's making passwords obsolete.
Payment trends for 2026: digital identity wallets, network tokenisation, AI fraud prevention, VRPs, embedded finance and payment orchestration.
In our latest podcast episode, payment network expert Michael Schoch explains how Secure Remote Commerce (SRC) is creating new growth opportunities for domestic card networks.
This Tech Tribe episode gives a rare look into how advanced fraud prevention works when every second counts — and how the right expertise can turn a crisis into a controlled situation.
CEO Carsten Wengel sits down with Martina Forster, Portfolio Owner for Secure Digital Payments at G+D Netcetera, to explore the evolving world of digital payments: from 3-D Secure to instant payments, Big Tech, and digital identity.
Protecting the business and customers from invisible threats
Make Instant Payments a success with G+D Netcetera, as your strategic partner
Remember the last time you abandoned a purchase because you couldn’t find your card? How much time, energy, and mood did you waste filling in the requested information? Ultimately, you just left your purchase because it was too time-consuming, data-consuming, and energy-consuming. Sound familiar? That’s exactly why Click to Pay was created. In this episode with Suzana Kordumova Nikolova, we explore what makes Click to Pay different from Apple Pay and Google Pay, how it enhances security, and why businesses adopt it.
Passwords are becoming a thing of the past. Passkeys deliver a safer, faster, and more seamless way to log in and approve payments. Payment expert Nakjo Shishkov explains how passkeys, 3DS, Click to Pay, and FIDO authentication set new standards for secure digital experiences. Learn how passkeys work, why they improve security, and how they drive better user journeys and higher conversion rates.
Wach the Click to Pay webinar featuring G+D Netcetera, Worldline, and Visa experts.
Maximizing Trust and Efficiency: G+D Netcetera expands ISAE 3402 certification to cloud services
Partnership with Klar fuels Mexico’s e-commerce boom
Bridging the gap between merchant’s and issuer’s apps with OOB App URL
