3D Secure ACS
FinOn's 3DS Access Control Server (ACS) is a robust and scalable solution for card issuers and processors designed to authenticate cardholders during online transactions, ensuring security and compliance with EMV® 3DS 2.x standards.
It is engineered to reduce fraud, improve transaction approval rates, and provide a seamless user experience by establishing frictionless flow
FinOn's 3DS ACS support both on-premise and SaaS deployment options to meet diverse operational needs. It could be hosted on various cloud providers, including Azure, AWS, Oracle, and Alibaba, providing scalability and reliability tailored to your preferences.
Key features
Supports multiple authentication methods: Single click in a mobile app (OOB), One-time passcode (OTP), Risk-based authentication (RBA), decoupled and non-payment authentication
Sophisticated RBA rules, allowing for dynamic authentication based on the transaction's risk profile. By evaluating factors like transaction amount, user behavior, device fingerprinting, and geolocation, the ACS can apply appropriate authentication measures
Merchant whitelisting allows cardholders to whitelist trusted merchants for bypassing authentication. Issuers can view or remove trusted merchants via the administration form
Build-in scoring system for real-time risk assessment and authentication type definition. Could operate stand-alone or integrated with risk management systems
Approved by EMVCo and certified by major card schemes (Visa, Mastercard, AMEX, JCB, UnionPay, mada etc.), ensuring adherence to the latest security standards
The intuitive user interface provides access for RBA and system settings, user access management and transaction search. Comprehensive dashboards, log data and statistics for monitoring
WHY FINON 3DS ACS?
FinOn's 3DS ACS offers cost efficiency, advanced customization, and flexible architecture, providing a scalable and tailored authentication solution for diverse operational needs
