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

    • ESD_ValueOps_Icon_ControllerCompliance

      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.

    • Lower Digital Payment Fraud

      PSM 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. 

    • Higher Approval Rate

      PSM Card
      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.

    Compliance
    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. 

    PSM fraud
    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.

    PSM Card
    PSM Infographic
    The Arcot Network

    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.

    Key Benefits of the Arcot Network

    Benefits For Issuers For Merchants

    Compliance with government and scheme regulations
    Lower digital payment fraud
    Higher authorization approval rates
    Access to digital data during fraud decisioning (i.e., device/geolocation)
    Integration of Arcot data to the issuer’s authorization/case management system and/or Integration of Arcot data to merchant’s payment/fraud platform
    Analytics and industry guidance from Arcot’s customer success team
    Enhanced user authentication and Strong Customer Authentication (SCA)

    Why Arcot?

    PSM_Icon_Network
    Arcot Network and
    Data Science

    The scale of our consortium, the performance of our fraud score, and our ongoing investment in data science allow us to stop more fraud.

    PSM_Icon_Support
    Platform Flexibility
    and Control

    Our API first approach, flexible configuration and user authentication options, and superior technology enable our platform to deliver better results.

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    Customer
    Focus

    Assigned resources from a global team of compliance, fraud, and industry experts drive maximum ROI for each customer.

     
    229 countries
    Transactions from 229 countries processed through the Arcot Network
     
    600 M+ devices
    Over 600 million device signatures active in the Arcot data consortium
     
    5000 + issuers
    Over 5,000 financial institutions across every region of the world use Arcot

    Engage With Us

    Connect and stay up-to-date on developments in the world of Arcot, fraud & risk management, and 3D-Secure