3DS ACS
- Reduce fraud with risk-based authentication
- Increase approval rates with frictionless flow
- Get operational transparency & monitoring
FinOn 3D Secure Access Control Server (ACS)
is a scalable authentication solution for card issuers and processors, built to secure online transactions and meet EMV® 3DS 2.x requirements
Transaction initiated
Real-time risk analysis
Adaptive authentication
Approved or declined
Built for
Banks
Move beyond SMS-only OTP and cut fraud without killing conversion.
- Risk-based, frictionless authentication
- Multiple challenge methods (OTP, OOB, biometrics) to push for higher approval rates
- Rule tuning by segment/channel
Fintech Card Issuers
Go live with issuer authentication fast and stay compliant while scaling.
- Out-of-band approvals via fintech app push for higher completion rates
- Adaptive authentication based on real-time risk (RBA)
- Seamless mobile and web user flows
Card Processors & BaaS
Support multiple issuers/BINs with different policies and branding without ops chaos.
- Multi-issuer, multi-product architecture
- Centralized risk and authentication rules
- Scalable, API-first integration
Key Features
Multifunctional authentication
Supports multiple authentication methods, including one-click app (OOB), one-time passcodes (OTP), risk-based authentication (RBA), decoupled and non-payment authentication
Risk-based authentication
Advanced RBA rules dynamically determine the required authentication level based in transaction risk. The ACS evaluates amount, user behavior, device fingerprinting, and geolocation to apply the most appropriate authentication method.
Flexible whitelisting
Merchant whitelisting enables trusted merchants to bypass authentication for approved transactions. Issuers can easily manage trusted merchants through the administrative interface.
Advanced risk management
Built-in scoring system for real-time risk assessment and authentication type definition. Could operate stand-alone or integrated with risk management systems
EMV® 3DS 2.3.1 compliant
Fully approved by EMVCo and certified by major card schemes, including Visa, Mastercard, AMEX. JCB, UnionPay, and mada, ensuring compliance with the latest security standards
Intuitive admin interface
User-friendly interface providing access to RBA settings, system configuration, user management, and transaction search. Includes comprehensive dashboards, logs, and analytics for full operational visibility
Authentication SDK for Mobile Apps
- Secure multi-factor authentication inside iOS and Android apps
- Push, biometrics, and OTP support
- Reduce SMS fraud and improve user experience
Cost-efficient by design
Transparent pricing with no hidden fees. Leveraging open-source technologies significantly reduces licensing and maintenance costs compared to legacy ACS vendors, lowering total cost of ownership.
Advanced customization
Full control over cardholder-facing authentication flows, branding, languages, and challenge logic — allowing issuers to tailor authentication to different programs, regions, and customer segments.
Why FinOn 3DS ACS
Simple integration
Built-in APIs allow fast and seamless integration with issuer systems, card management platforms, notification services, and risk engines involved in the authorization flow — without complex dependencies or long onboarding cycles.
Modern 3D Secure built for
Flexible architecture
Built on a modern, scalable Java-based architecture, FinOn ACS supports cloud, on-premise, and hybrid deployments across Linux and Windows environments, ensuring high availability and horizontal scalability.
Multi-issuer & multi-program ready
Designed for processors and BIN sponsors, FinOn ACS supports multiple issuers, programs, and BINs within a single platform — each with independent configurations, policies, and branding.
Frequently Asked Questions
FinOn 3D Secure ACS evaluates each transaction in real time using contextual data such as transaction amount, device and behavioral signals, geolocation, and issuer-defined rules. Based on this assessment, the system dynamically applies either a frictionless flow or the appropriate challenge method, reducing fraud while minimizing unnecessary customer friction.
Authentication rules, thresholds, and challenge logic in FinOn ACS can be configured through an administrative interface without vendor-side development. This allows issuers and processors to quickly adapt authentication behavior to changing fraud patterns, regulatory updates, or business requirements.
Yes. FinOn ACS is designed for multi-issuer and multi-BIN environments, enabling independent configurations, branding, and authentication policies per issuer or card program, all managed centrally within a single deployment.
By applying adaptive, risk-based authentication, FinOn ACS approves low-risk transactions using frictionless flows, while challenges are triggered only when necessary. This approach significantly reduces checkout friction compared to legacy SMS-only authentication methods and improves overall transaction approval rates.
With the help of Authentication SDK, which
enables
secure customer authentication
inside mobile applications by integrating biometric authentication (Face ID,
fingerprint, device credentials) with an ACS (Access Control Server) for EMV®
3-D Secure flows.
It allows issuers, fintech apps, and wallet providers to perform Strong Customer
Authentication (SCA) without redirecting users to external browser-based flows.
The SDK supports:
- a) Biometric authentication (Face ID / Touch ID / fingerprint)
- b) Device-level secure authentication (PIN / pattern)
- c) App-based confirmation flows
- d) Push-based transaction confirmation
- e) Challenge-response flows
- f) Step-up authentication triggered by ACS
- g) All methods are compliant with EMV 3DS requirements for challenge flows.
No. The SDK does not store or transmit biometric
data.
Biometric verification is performed by the operating system or banking
application, and the SDK only receives a success/failure result, which is
cryptographically bound to the authentication session.
Supported platforms include:
- a) iOS (native Swift/Objective-C)
- b) Android (Kotlin/Java)
- c) React Native bridge
- d) Flutter bridge
This allows issuers and fintech platforms to embed secure authentication across multiple app environments.
Do you have any other question?
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