Finaro is a smart payments provider and fully licensed bank, providing cross-border processing for e-commerce and omni-channel payments. The company’s core gateway technology, SourceTM, provides a streamlined payments experience designed to enable merchants to reach their full business potential, simply by managing their payments better. 

Finaro sought a technology partner that could offer an advanced, EMV 3-D Secure-compliant core technology that would work well with its proprietary Smart 3-D Secure offering and ensure compliance with the latest PSD2 and SCA requirements. The technological partnership between Netcetera and Finaro gives Finaro's merchants the benefit of unprecedentedly high acceptance rates, resulting in a significant competitive edge in an increasingly saturated online commerce market.

Netcetera’s network-certified 3-D Secure Server enables convenient and secure EMV® 3DS transactions. Reducing the risk for non-authenticated transactions, associated refunds and lost revenue, it also establishes a frictionless flow and improves the cardholder experience while shopping online.

Finaro and Netcetera’s 3-D Secure technology provides Finaro's merchants with a fully comprehensive 3DS solution that leverages artificial intelligence to combat fraud and increase transaction approvals, without requiring any additional integration beyond Finaro's payment API.

Finaro's Smart 3-D Secure ensures that merchants fully comply with PSD2 requirements for Strong Consumer Authentication. The solution is an integral part of Finaro's comprehensive Risk Management Suite, offering merchants compelling business benefits such as: improved conversions, optimized checkout processes, reduced fraud, and protection from fraudulent chargeback liability.

By implementing Netcetera’s core technology, Finaro’s latest Smart 3-D Secure now offers an advanced authentication layer - making shopper authentication simple and secure and supporting all protocols - and a fully comprehensive mobile application SDK. In addition, Finaro’s 3-D Secure Adviser contains an AI-based flexible decision layer that analyses each transaction in real time, while selecting the best 3DS routing taking into account risk assessment and exemption management.

Note:
EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC