Why Leading BaaS Providers and Card Processors Are Moving to In-House 3D Secure ACS Solutions

As online payments continue to grow rapidly, the risks of fraud are escalating. Fraudsters are becoming smarter, regulations are tightening, and customer expectations are rising. For BaaS providers and card processors, relying solely on third-party vendors for payment authentication is no longer sufficient.

Industry leaders are now making a strategic shift towards in-house 3D Secure Access Control Server (ACS) solutions to regain control, optimize costs, and enhance security.

Challenges with Third-Party 3D Secure ACS Solutions

While outsourcing your 3DS ACS initially appears convenient, it hides significant downsides:

• Loss of control: Limited ability to customize the authentication process and user journey
• Increasing costs: Per-transaction fees grow alongside your volume, impacting margins
• Slow adaptation: Long delays in implementing risk adjustments or regulatory updates

Benefits of Moving to In-House 3D Secure ACS

1. Full Control of Customer Experience

With an in-house ACS, BaaS providers and card processors can design seamless and branded authentication flows that reduce checkout friction and increase conversion rates.

2. Advanced Risk-Based Authentication (RBA)

Dynamic risk scoring models can be tailored to your business needs, improving fraud prevention while minimizing customer inconvenience.

3. Improved Performance and Regulatory Compliance

Hosting 3D Secure ACS internally ensures lower latency, higher authentication success rates, and strict data residency compliance across different jurisdictions.

FinOn’s In-House 3D Secure ACS Solution

FinOn’s ACS platform is EMVCo-certified and purpose-built for modern financial infrastructure. It is designed specifically for BaaS providers and card processors that need flexibility, speed, and resilience.

• Flexible deployments: cloud, on-premises, or hybrid setups
• API-first architecture: rapid integration within 4–6 weeks
• Advanced security: customizable RBA engines, multi-device authentication including biometrics
• Full compliance: latest EMVCo 3DS specifications

Our platform empowers providers to respond faster to new fraud threats, adapt to evolving regulations, and maintain a competitive edge.

When Is the Right Time to Bring 3DS ACS In-House?

You’ve likely outgrown your third-party ACS if:

• You need to roll out new risk policies quickly
• You serve multiple geographies with strict compliance requirements
• You want full visibility and control over authentication decisions
• You face rising costs as your transaction volume grows

In-house ACS is not just a technical decision — it’s a strategic shift in how your company handles trust, speed, and user experience.

Third-Party vs. In-House 3D Secure ACS: Quick Comparison

Is In-House Implementation Complex?

Surprisingly, no. FinOn simplifies the migration process with a structured approach:

• Technical discovery phase
• Sandbox testing and user acceptance
• Risk policy customization
• Seamless production launch

Our dedicated experts ensure your team is ready to manage and optimize your payment authentication infrastructure from day one.

Take Control of Your Authentication with FinOn

Building your own 3D Secure ACS is not just a cost-cutting move — it’s a strategic investment in customer experience, security, and future-proofing your payments infrastructure.

Ready to bring your authentication in-house? FinOn is here to help. Contact us today or book a demo and discover how our 3DS ACS solution can empower your BaaS platform or card processing operation.