Frictionless Auth. Maximum Protection.
Leading the way as a global provider in Card-Not-Present 3D Secure processed transactions for card issuers, payment processors, and fintech solution providers. Elevate your business with ActiveAccess.
Reduce False Declines and Drive Growth
Protect your cardholders and increase transaction volume, revenue, and user experience with ActiveAccess. Build trust, loyalty, and satisfaction through a secure shopping experience. Discover the power of ActiveAccess — the robust and market-leading Access Control Server (ACS) platform designed to provide unparalleled cardholder authentication for card issuers.
Elevate your business with ActiveAccess now.
Compliance & Certification
Our fraud prevention solutions are built on globally recognised industry standards (EMVCo, SCA), and are fully supported and mandated by the major card schemes.
Wide-Ranging Support for Multiple Card Schemes
We offer support for a variety of card schemes to meet your needs. Let us know your requirements and we will work with you to provide the necessary support.
Eight Reasons to Choose ActiveAccess
Purpose-built for card issuers who need performance, compliance, and a cardholder experience that builds lasting trust.
Turn Uncertainty into Trust
Boost sales, build customer trust, and protect your business by minimising risk and offering a secure and effortless shopping experience.
Achieve Global Compatibility
Delivering smooth cross-industry and cross-border coverage with seamless interoperability, enabling global reach and efficient business connectivity.
Improved Risk Assessments
Utilise various parameters in the ACS to ensure a thorough assessment of transaction risk, improving the security of digital payments.
Unlock Agility and Accelerate Success
Gain a competitive edge through unmatched agility, enabling rapid adaptation to changes, by forming a partnership with GPayments unlike any other.
Address Fraud Prevention and Chargebacks
Secure customer transactions and prevent fraud and chargebacks through advanced authentication and real-time fraud detection techniques.
Ensure Security and Compliance
ActiveAccess places a strong emphasis on security and compliance to ensure your adherence to payment industry security and compliance regulations.
Offer Wider Payment Options
Stay ahead of the competition by scaling and expanding seamlessly with international and domestic card scheme support.
Dedicated Account Management
Experience unrivalled sales and support assistance thanks to a single point of contact for all enquiries and proactive resolution of your queries.
The security layer cardholders never see — and criminals can never beat.
ActiveAccess puts card issuers in full control of every authentication decision, with risk-based intelligence built to stay ahead of evolving fraud patterns.
Advanced ACS Capabilities for Card Issuers
ActiveAccess delivers everything card issuers need to authenticate securely, manage risk intelligently, and deliver an experience cardholders trust.
Adaptable Integration of Cardholder Data
Take advantage of the best of both worlds: store cardholder information locally in the ACS or integrate with current card management systems for flexible remote authentication.
Flexible RBA and OOB Integration
Flexible adapter-based interface for issuer risk rules and seamless integration with third-party RBA solutions. Communicate with third-party OOB services for enhanced authentication options.
Manage Multiple Issuers on a Single System
Effortlessly manage multiple issuers and independent entities with custom configurations, branding, or cohesive groups to streamline operations.
Secure Payment Confirmation
Deliver seamless biometric authentication within browsers through Secure Payment Confirmation (SPC). Cardholders can approve transactions instantly using fingerprint or facial recognition.
Transaction Dashboard
Unlock real-time visibility across your authentication ecosystem. Dynamic dashboards provide instant insight into transaction volumes, success ratios, and device channels.
Expand Flexibility with Decoupled Authentication
Enhance authentication flexibility with ActiveAccess' adapter-based API. Seamlessly communicate with third-party authentication services, allowing cardholders offline authentication for up to 7 days.
Interactive Challenge Page Customisation
Bring your brand to life with flexible, interactive challenge pages configured to transaction context and cardholder preferences — intuitive, secure, and uniquely yours.
Simplified Merchant Whitelisting
Whitelisting API enables cardholders to create and manage lists of trusted merchants, bypassing authentication — while issuers manage and remove trusted merchants via the administration console.
Dynamic Linking for PSD2 SCA
Safeguard transactions with unique authentication codes while empowering payers with real-time payment details, fully embracing PSD2's Strong Customer Authentication (SCA) requirements.
Trusted by Issuers
Trusted by Card Issuers Around the World
From national banks to global card programmes, ActiveAccess is the ACS platform of choice for institutions that demand performance, compliance, and cardholder trust.
- Risk-based authentication reduces unnecessary step-up challenges
- Full EMVCo 3DS 2.x certification with backwards compatibility to 3DS 1.0
- Multi-issuer support for processors managing multiple portfolios
- White-label and hosted deployment options to match your operations
3DS2 Enrolment Check for 3DS1 Compatibility
ActiveAccess implements a 3DS2 enrolment check API to enable backwards compatibility with your 3DS1 systems. ActiveAccess caches the BIN ranges of cards enrolled in 3D Secure 2. Before each authentication, the API call determines whether the given card supports 3D Secure 2 — if not, you may fall back to an existing 3D Secure 1 MPI implementation. This ensures compatibility with any 3D Secure 1 MPI on the market, and is crucial for issuers to adhere to regional mandates while providing liability shift coverage during the transition period.
Flexible Deployment to Suit Your Infrastructure
Whether you need a bank-grade hosted service, a white-labelled solution, or full on-premise control — ActiveAccess adapts to your operational model.
Hosted
Bank-grade hosted solution for fraud prevention, with secure multi-tenancy ActiveAccess cluster hosted on a world-leading cloud provider.
Dedicated or White Labelled
Hosted solution with control and customisation options. Clients can delegate service maintenance or self-manage based on their preference.
On-Premise
Easy installation, on-premise deployment, high-availability cluster configuration, and customisable administration options for full infrastructure control.
Not sure which deployment model suits your institution?
Speak with an ExpertCommon Questions
Frequently Asked Questions
What does an Access Control Server (ACS) do?
How does step-up authentication work?
Does 3DS 2.x support biometric authentication?
What happens if a cardholder fails 3DS authentication?
What is the issuer's liability under 3DS?
Elevate Cardholder Authentication with ActiveAccess
Reduce false declines, increase transaction volume, and deliver a secure, frictionless experience that builds lasting cardholder trust.