Multi-factor Authentication for Card Issuers
Leveraging 3D Secure Version 1 and 2

3D Secure ACS - ActiveAccess

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Embrace secure and safer authentications with EMV 3-D Secure

ActiveAccess is a robust market-leading Access Control Server (ACS) platform, developed by GPayments to enable cardholder authentication for issuing entities. It can be deployed directly within a bank or hosted by a processing centre/bank group/central bank for utilisation by several issuers, on-premise or in a cloud environment. ActiveAcess was built with compatibility and efficiency in mind resulting in a solution that works seamlessly with 3D Secure 1 (3DS1), 3D Secure 2 (3DS2) and the EU Payment Services Directive (PSD2). It can help issuers reduce false declines and cart abandonment, and improve user experience by providing a frictionless flow during the payment process.

Compliant with all major card schemes

ActiveAccess is certified and compliant with Visa, Mastercard, American Express, JCB, and Diners Club International.


Security and compliance

Built to meet security and compliance criteria

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

Painless Integration

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

HSM Support
HSM Support

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

Two-factor authentication login
Two-factor Authentication Login

Added security for user access to the Administration portal

Customisable Authentication process
Role-based Access Control

Role-based and read-only access to the Administration portal

Reliable and robust solution

Robust ACS with reliability ingrained

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

Field-proven, feature-rich and stable

A 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.

Flexibility and simplicity

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.

Painless Integration
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.

HSM Support
Flexible Options for Management of Card Data

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

Two-factor authentication login
Issuer-Specific Features

Unique feature customisations tailored to the needs of issuers

Customisable Authentication process
Issuer Branding

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

Customisable Authentication process
Multiple Issuers on One System

Creation and management of multiple issuers, each as logically separate entities with unique configurations and branding

Customisable Authentication process
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 Pricing Models

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 a fast turnaround time according to agreed service levels.

Seamless authentication with 3D Secure 2

Access to a rich dataset

Transmission of rich data (user's 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

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.

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+61 2 9453 5411