General information
CERTIFIED & COMPLIANT
Key Advantages & Features
Intelligent Authentication Flows
Support dynamic verification including a Frictionless Flow, where cardholders are authenticated without disruption based on real-time risk assessments, and a Challenge Flow for higher-risk scenarios.
Real-Time Risk Assessment
The ACS acts as the brain behind the cardholder's authentication experience, instantly assessing transaction risk using data such as transaction history, device information, and behavioral analytics.
Powerful Admin Panel & Rule Engine
Manage security effortlessly through a dashboard that provides key insights, a flexible UI builder to manage challenge screens, and a highly configurable Rule Engine to define custom security criteria.
Advanced Biometrics & Secure Payment Confirmation (SPC)
Utilize modern authentication methods like WebAuthn and device biometrics to combine robust security with an excellent, streamlined user experience.
Omnichannel Device Compatibility
Ensure a smooth, device-agnostic operation across all consumer channels, including web, mobile browsers, and native mobile applications.
Technical Specifications
Fully Certified EMV 3-D Secure Standards
Built to the highest industry benchmarks, ensuring full compliance with the latest EMV® 3-D Secure 2.3.1 and 2.2.0 protocols.
Strict Security & Regulatory Compliance
Operate with confidence on an infrastructure that adheres directly to strict PCI-DSS and PCI 3DS standards, while natively aligning with PSD2 SCA requirements with no additional development needed.
3RI (Three Requestor Initiated) Support
Process authentications initiated directly by the merchant or payment service provider - without active cardholder involvement - making it ideal for recurring subscriptions or card-on-file payments.
Diverse Authentication Modalities
Technically supports a wide range of verification methods including SMS One-Time Passcodes (OTP), out-of-band verification via mobile apps, decoupled authentication, and biometrics.
Scalable SaaS Architecture
Delivered through a reliable, maintenance-free SaaS model that utilizes simple API integrations to accelerate deployment and bypass heavy infrastructure costs.
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How can it work for your business?
We were ready to issue our new digital debit cards, but to allow our users to shop online securely, we needed an Access Control Server (ACS) for 3D Secure. Building our own ACS and getting it certified by EMVCo, Visa, and Mastercard was going to take over a year and cost upwards of €100,000. We simply didn't have that kind of time or budget.
Instead of building it from scratch, we plugged into Verestro’s fully certified, SaaS-based ACS. Their API integration was incredibly fast. They handled all the EMVCo 2.2 and 2.3.1 certifications, as well as the PCI-DSS and PCI 3DS compliance.
We launched our card program 10 months ahead of schedule, saved massive capital expenditure, and offered top-tier online security from Day 1.
Frequently asked questions
