3D Secure
for Issuers and Processors
Issuing Solutions
OUR SOLUTION REDUCE RISK FOR NON-AUTHENTICATED TRANSACTIONS, ASSOCIATED REFUNDS AND LOST REVENUE, WHILE AT THE SAME TIME ESTABLISHING FRICTIONLESS FLOW AND IMPROVING CARDHOLDER’S ONLINE SHOPPING EXPERIENCE.
IT CAN BE PROVIDED AS A SERVICE OR ON-PREMISE SOLUTION.

FinOn's 3DS ACS solution is a cutting-edge product designed to ensure secure and seamless cardholder authentication for card issuers and processors.

FinOn 3DS ACS
Access Control Server (ACS) enable cardholder authentication for card issuers providing enhanced user experience and a more secure way of making payments for cardholders.
It reduces false declines and cart abandonment, improves user experience by providing a new frictionless flow during the payment process and lower digital payment fraud.
Finon ACS EMVCo certified for 3DS v1 and v2
Compliant with PA-DSS (PCI-SSF) requirements and thus is ready for PCI DSS audits.
Helps issuers meet the EU Payment Service Directive (PSD2) compliance.
Build-in APIs enable seamless and quick integration with card management, notification and risk control systems involved into authorization process
Build-in scoring system for real time risk assessment and authentication type definition.

Could operate stand alone or integrated with risk management systems
Merchant whitelisting allows cardholders to whitelist trusted merchants for bypassing authentication.

Issuers can view or remove trusted merchants via the administration console
Supporting multiple authentication methods: Single click in a mobile app (OOB), One-time passcode (OTP), Risk-based authentication (RBA), decoupled and non-payment authentication
WHY FINON ACS?
Finon solutions are build on open source By using Finon solution our clients can significantly reduce costs on licenses and support
Open
Source
ACS solution can be customized from cardholder facing branded pages and to more advanced issuer features
Backend language agnostic solution through a RESTful API for integration flexibility
Can be deployed directly within a issuer bank or processor to serve multiple issuers. It can be hosted on-premise or in a cloud environment
Advanced customization
Simple integration
Cloud ready
3DS ACS is built on Java technology, and can be deployed on a multitude of platforms including Linux, Windows, and Solaris. It can also be easily scaled across multiple servers.
Flexible
Architecture
FINON ACS AS SAAS
FinOn ACS could be provided as a hosted service compliant with local data handling requirements

High Availability
We provide a scalable 24/7 service with up to 99.99% availability served by high skilled payment industry experts.
CUSTOMER
ENROLMENT
Quick and simple customer onboarding options,
including batch and self-enrolment.

Highly scalable
Supports containerization and most mainstream load balancers.
Schemes compliance
Eliminates the need for clients to certify with each card scheme, which would be required if clients were to deploy in-house.
Cost and time efficient
ACS as a service is an optimal option for those client seeking to save time on implementation time and ongoing infrastructure resources.
We offer simple and transparent pricing models with no hidden costs.
DO YOU WANT TO LEARN MORE ABOUT OUR PRODUCTS? LEAVE A REQUEST AND OUR MANAGER WILL CONTACT YOU.

info@finon.tech

+971505347303

United Arab Emirates, Dubai