Protect Digital Payments
The Arcot Network is a payment authentication network powered by 3-D Secure (3DS).
The network is used by card issuers, merchants, and payment processors to authenticate the identity of a shopper during an e-commerce payment. Users of the network enjoy lower fraud, higher approval rates, and regulatory compliance.
Arcot Capabilities
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Compliance
Compliance
Fully compliant EMV 3DS solutions including EMV 3DS Access Control Server (ACS) and EMV 3DS Server, providing issuers and merchants with compliance to government and card scheme regulations.
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Lower Digital Payment Fraud

Lower Digital Payment Fraud
Fully integrated fraud detection and prevention platform including our Arcot Network Fraud Score and Rules Engine, empowering merchants and issuers to reduce fraud losses.
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Higher Approval Rate

Higher Approval Rate
Flexible integrations for strong customer authentication (SCA), a configurable rules engine, and real-time data sharing between merchants and issuers, driving higher payment approval rates and better cardholder experiences.
Compliance
Fully compliant EMV 3DS solutions including EMV 3DS Access Control Server (ACS) and EMV 3DS Server, providing issuers and merchants with compliance to government and card scheme regulations.

Lower Digital Payment Fraud
Fully integrated fraud detection and prevention platform including our Arcot Network Fraud Score and Rules Engine, empowering merchants and issuers to reduce fraud losses.

Higher Approval Rate
Flexible integrations for strong customer authentication (SCA), a configurable rules engine, and real-time data sharing between merchants and issuers, driving higher payment approval rates and better cardholder experiences.


How Does It Work?
The merchant initiates the process by calling the Arcot API or sending a transaction to EMV 3DS via other means. Once Arcot receives the transaction request, we exchange data with the issuer of the payment card. After gathering the results of the issuer assessment, we respond back to the merchant with the information needed to continue the transaction. Both the merchant and the issuer receive significantly more information for their risk evaluation process.