ActiveAccess Service, is a powerful market-leading Access Control Server (ACS) solution, which enables card issuers to conduct cardholder authentication during e-commerce transactions. It can be used by multiple issuers directly within a bank, central bank, or processing centre. ActiveAccess Service is a hosted solution, which helps you save on the efforts in implementing and maintaining an ACS solution from scratch and allows you to focus on what you do best, card issuing and processing.
ActiveAccess Service was developed with compatibility and efficiency in mind, resulting in a solution that supports 3D Secure 2 (3DS2) while also assisting issuers in meeting the criteria of the EU Payment Service Directive 2 (PSD2). It supports the latest EMVCo 3DS2 protocol, which decreases false declines and cart abandonment while improving the user experience with the introduction of a new frictionless flow payment process.
ActiveAccess Service is certified with 3DS 2.2, EMV 3DS and supports Visa Secure, Mastercard Identity Check & JCB J/Secure, with UnionPay International, American Express SafeKey and Discover ProtectBuy to be added in the future.
Security and compliance are at the heart of the ActiveAccess Service, which ensures that its users adhere to payment industry security and compliance regulations.
The GPayments ActiveAccess solution includes a risk-based authentication (RBA) feature, providing clients with a ready-to-use solution.
GPayments, a pioneer in the 3D Secure industry for more than two decades, now offers its cutting-edge ACS solution as a service to assist card issuers in reducing Card-Not-Present (CNP) fraud.
An intuitive, market-leading solution that has been consistently developed and extended over the last two decades to fulfil the needs of issuers and cardholders.
Accompanied with up-to-date, online, and easily-understandable documentation for technical and business users.
Web-based administration portal for system setup and management, certificate management, real-time transaction history viewing, and comprehensive reporting and audit recording.
ActiveAccess supports adapter-based APIs that can be integrated with your chosen 3D Secure ready Risk Based Authentication (RBA) and Out of Band (OOB) solutions. Alternatively, you can utilise the RBA solution provided by GPayments.
ActiveAccess Service allows you to store and view Cardholder data locally via our user-friendly administration portal using the local authentication model or integrate with a third-party card management system by implementing the remote authentication model.
Modification of the system is possible in order to incorporate specific features required by issuers.
Fully customisable cardholder-facing pages, to include issuer-specific logos and messages
Multiple issuers can be managed individually, as logically distinct entities with different configurations and branding, or as a group.
No hidden costs for our clients, our pricing models are completely transparent, and budgeting is predictable.
Parallel support for both protocols within the same solution for an effortless shift from 3DS1 to 3DS2, while both protocols are operational
No hidden costs to our customers, complete transparency in our pricing models, and predictable budgeting
Exceptional customer service by a dedicated support team that responds to all critical issues within agreed service levels
The merchant transmits rich data (such as device, location, merchant, and transaction information) to the issuer via a web browser or a mobile application SDK.
Utilisation of transaction-level data provides more reliable risk assessment with existing RBA systems. An adapter-based interface enables integration with most RBA systems currently available on the market.
Native mobile integration improves the purchasing experience for consumers of mobile shopping apps. By implementing 3DS2 solution, you can expect to see a 25% reduction in cart abandonment.
The ActiveAccess adapter-based API for interfacing with third-party authentication services, allows authentication to take place outside of the regular 3D Secure flow, giving the cardholder up to 7 days to perform the authentication offline, without engaging with the online retailer.
Allows cardholders to create a whitelist of trusted merchants for the purpose of circumventing authentication. Issuers may maintain cardholders' lists of trusted merchants and allow cardholders to add & remove merchants from their whitelists using the ActiveAccess Whitelisting API. Through the administration portal, issuers may inspect and delete trusted merchants.
ActiveAccess supports Dynamic Linking, a feature mandated by PSD2 for SCA. Each transaction is assigned a unique authentication number, and the payer is kept informed throughout the authentication process about the payment amount and payee.
UPC realised to fight the battle against online fraud, additional authentication was required to verify cardholders’ identities in CNP e-Commerce transactions and additional authentication was required for internet banking to reduce the threat posed to online security by the increasing number of phishing attacks.
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