Authenticate Every Payment. Stop Fraud at the Source.
GPayments delivers EMVCo-certified 3D Secure authentication for acquirers, issuers, and payment providers. Frictionless rates above 80%, liability shift on every authenticated transaction, and support for 8 major card schemes worldwide.
Certified & Compliant
Why GPayments
3DS Authentication Built for Production Scale
Designed for acquirers and issuers who measure success in frictionless rates, liability shift, and uptime — not compliance checkboxes.
Frictionless by Default
Risk-based decisioning authenticates the majority of transactions silently — no cardholder interruption, no abandoned checkouts. Challenge flows trigger only when genuinely needed.
EMVCo Certified
ActiveServer is independently certified by EMVCo and mandated by Visa, Mastercard, American Express, JCB, and five other major schemes. You deploy on verified infrastructure.
Full Liability Shift
On every successfully authenticated transaction, chargeback liability moves from the merchant or acquirer to the card issuer — directly protecting revenue on disputed payments.
8 Card Schemes
Visa, Mastercard, Amex, JCB, UnionPay, Discover, and more. One integration covers the card schemes your customers actually use, across every market you operate in.
End-to-End Testing
TestLabs gives you a complete EMVCo-compliant test environment before you go live — simulating ACS, Directory Server, and SDK behaviours without touching production.
PCI DSS & PSD2 SCA Ready
Every deployment meets PCI DSS, PCI 3DS, and PSD2 Strong Customer Authentication requirements. Compliance documentation is available and regularly updated.
Trusted by Payment Businesses Worldwide
The protocol that protects every card-not-present transaction.
GPayments has been at the centre of 3D Secure since the protocol's first iteration. Today, acquirers and issuers across Asia-Pacific, Europe, and the Americas rely on ActiveServer to deliver frictionless authentication at scale — without compromising fraud protection.
Billions
Transactions Processed
25+
Years in 3DS
8
Card Schemes Supported
99.98%
Authentication Uptime
The Full Suite
Four Solutions. One 3DS Platform.
Acquiring, issuing, testing, and fraud prevention — all built on the same EMVCo-certified infrastructure.
3D Secure Solutions
Customer Stories
Trusted by Payment Businesses Worldwide
ActiveServer has been able to handle increased transaction volumes, including peak periods, without any issues. With ActiveServer, the authentication success rate has improved by several percentage points compared to the previous provider.
Shinichi Nakahara
General Manager, Service Management Unit — SP.LINKS (Sony Payment Services)
The implementation process was very well managed and smooth. Account Management, Product Management and Technical teams supported PayFacto's teams each step of the way from the initial discussion to completion of the project.
Lily Zaryan
Senior Director — PayFacto
From a technical standpoint the integration has been a breeze, the documentation is excellent as it covers both the high-level authentication flows between the domains as well as the lower-level API integration in great detail.
Ludvig Kolmodin
CTO — Paynova
In the development of the 3DS2 service, the documentation available to developers was substantial, and the development work proceeded smoothly. Even after going live, we were able to transition to stable operation quickly because we received prompt support.
Hiroshi Ogawa
Manager, Digital Transformation Division — All Nippon Airways (ANA)
Certified & Compliant
Built to the highest 3DS and payment security standards.
GPayments is independently certified by EMVCo and audited for PCI DSS, PCI 3DS, and PSD2 SCA compliance across all deployments.
Ready to Reduce Chargebacks and Authenticate at Scale?
Talk to a 3DS specialist and see how GPayments fits your acquiring, issuing, or payment provider setup.