Multi-factor authentication for card issuers leveraging 3D Secure version 1 and 2

3D Secure ACS
ActiveAccess

Embrace secure and safer authentication with EMV 3D Secure

ActiveAccess is a robust market leading Access Control Server (ACS) platform, developed by GPayments to enable cardholder authentication for card issuers. It can be deployed directly within a bank, a central bank, or processing center for utilisation by multiple issuers. It can be hosted on-premise or in a cloud environment.

ActiveAccess was built with compatibility and efficiency in mind resulting in a solution that supports 3D Secure 1 (3DS1), 3D Secure 2 (3DS2), while helping issuers meet the EU Payment Service Directive (PSD2) compliance. It reduces false declines and cart abandonment, and improves user experience by providing a new frictionless flow during the payment process.

Compliant with all major card schemes

ActiveAccess is certified with 3DS 1.0.2 and EMV 3DS, and supports Verified by Visa/Visa Secure, Mastercard Identity Check, American Express SafeKey, JCB J/Secure, and Discover ProtectBuy.

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Built to meet security and compliance criteria

ActiveAccess was developed with security and compliance at its core, ensuring that its users comply to payment industry security and compliance standards.

PCI DSS & PCI 3DS ready

Adheres to Payment Card Industry (PCI) recommendations for cardholder data security

HSM support

Compatible with PKCS11-enabled HSMs for cryptographic operations and safe storage of sensitive data

Secure administration portal

Multi-user, role-based access, with read-only option, and two-factor authentication login

Robust ACS with reliability ingrained

GPayments, an industry leader, in the 3D Secure space for over 20 years, offers a cutting-edge solution to help card issuers reduce Card-Not-Present (CNP) fraud.

Field-proven, feature-rich and stable

An intuitive, market leading solution that has been continuously developed and enhanced to meet issuer and cardholder needs, over 20 years.

Comprehensive documentation

Accompanied by well maintained, online, and easy to understand documentation for both technical and business users.

User-friendly and intuitive administration portal

Web-based portal for the configuration and management of the system, certificate management, real-time transaction monitoring, and extensive reporting and audit logging.

Clustering, load-balancing and high-availability

Enabling your preferred infrastructure and environment setup for improved performance and uptime.

Take full control of your own deployment

ActiveAccess is an easy to use and flexible solution that can be tailored to the requirements of its users. Users have full control over deployment, customisation and integration with third-party solutions such as RBA or OOB solutions already in use.

Choose your own RBA and OOB Authentication solutions

Adapter-based APIs available for integration with your chosen, or existing, RBA and OOB solutions. A range of different authentication methods, including biometrics, can be utilised via OOB.

Flexible options for management of card data

Card data can be stored locally on ActiveAccess or remotely on an external system

Customisability

The solution can be customised to add unique features requested by issuers

Issuer branding

Fully customisable cardholder-facing pages, to include issuer-specific logos and messages

Multiple issuers on one system

Manage multiple issuers, as logically separate entities with unique configurations and branding, or as a group

Multiple authentication methods

SMS and email OTP, Vasco, and OOB for a variety of other authentication methods, e.g biometrics and push notifications

Cost effective solution without compromise

3DS1 & 3DS2 in one solution

Parallel support for both protocols within the same solution for an effortless shift from 3DS1 to 3DS2, while both protocols are operational

Simplified pricing model with no hidden costs

No hidden costs to our customers, complete transparency in our pricing models, and predictable budgeting

Quick support turnaround

Exceptional customer service by a dedicated support team that responds to all critical issues within agreed service levels

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Seamless authentication with 3DS2

Access to rich datasets

Transmission of rich data (such as device, location, merchant and transaction information) from the merchant to the issuer via web browser and mobile app SDK.

Frictionless flow with enhanced decision making

Utilisation of the rich data, transmitted during transactions, for more reliable risk assessment by existing RBA solutions. Integration with the majority of RBA solutions available in the market is enabled by an adapter-based interface.

Improved mobile experience

Improved purchasing experience for mobile shopping app users via native mobile support. Implementing our 3DS2 solution will help reduce your cart abandonment rate by up to 25%.

Non-Payment Authentication (NPA) support

Addition of cards to mobile wallets

Support of recurring and subscription-based transactions

No more $0.10 pre-authorisation charges required

Decoupled Authentication

The ActiveAccess adapter-based API for communicating with third party authentication services enables authentication to occur outside the standard 3D Secure flow, allowing the cardholder up to 7 days to perform the authentication offline, without interacting with the online merchant.

Requestor Initiated Payments  (3RI)

Requestor Initiated Payments (3RI), also known as Merchant Initiated authentications, can be used for recurring or subscription payments. Paired with decoupled authentication, they allow merchants to execute online transactions, even if the cardholder is not immediately available for authentication.

Whitelisting API

Allows cardholders to whitelist trusted merchants for bypassing authentication. Using the ActiveAccess Whitelisting API, issuers can manage cardholders’ lists of trusted merchants, and enable cardholders to add/remove merchants from their whitelists. Issuers can view or remove trusted merchants via the administration console.

Dynamic linking support

ActiveAccess supports Dynamic Linking, which is required for SCA by PSD2. A unique authentication code is used for each transaction, and the payer is kept informed of the specific payment amount and the specific payee, throughout the authentication process.

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Case Study

Ukrainian Processing Centre and 3D Secure

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.

case study- ukrainian processing centre and 3d secure
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