The Pay3DS ACS is a secure online transaction solution that incorporates the latest authentication mechanisms to enhance the client’s online shopping experience. It supports various payment instruments, including cards, wallets, accounts, and tokens, offering seamless onboarding and improved user experience.

With its highly configurable nature, the Pay3DS ACS enables a quick integration process and optimizes the delivery timeframe. Merchants have the flexibility to customize their 3D Secure configurations based on factors such as the issuing entity, channel devices used, and the type of financial and non-financial transactions.

The solution encompasses a flow of controls to execute risk-based strategies, allowing merchants to employ scoring strategies or rules to assess transaction risk. It also manages decoupled authentication and offers challenge verifications, such as one-time passcodes (OTP) delivered via text message, email, or e-banking, as well as out-of-band (OOB) verification, where the cardholder can confirm the transaction with a single click in a mobile app.

In terms of onboarding client information, the Pay3DS ACS functions as a Risk-Based Authentication (RBA) solution. It evaluates the risk level associated with a transaction and determines whether the client should be challenged for further verification. It offers a personalized combination of rules, including considerations for low-value transactions, cumulative amounts within a specific timeframe, the number of transactions within a given period, whitelisted merchants, recurrent payments, and the client’s transaction history.

Overall, the Pay3DS ACS provides merchants with a comprehensive and secure solution for conducting online transactions while enhancing the client’s shopping experience through advanced authentication mechanisms.