ActiveAccess | 3D Secure Access Control Server

Modern authentication starts with a modern ACS

ActiveAccess is GPayments’ Access Control Server for issuers, designed to support evolving EMV 3D Secure requirements while giving organisations greater control, operational flexibility and visibility across the authentication environment.

Built for today’s authentication demands, ActiveAccess helps issuers modernise their ACS environment, manage the cardholder experience more effectively and stay ready for the latest evolution of 3D Secure.

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Proven Authentication Leader

Built by a team focused on 3D Secure

GPayments provides specialist 3D Secure solutions across the authentication ecosystem, helping organisations support secure, scalable and modern payment authentication experiences.
3D Secure Expertise
3D Secure Expertise
Dedicated issuer focus
Issuing & Acquiring
Issuing & Acquiring
Ecosystem capability
Modern EMV 3DS
Modern EMV 3DS
2.3.x spec alignment
Global Deployment
Global Deployment
Worldwide experience
Enterprise-Ready Architecture
Enterprise-Ready Architecture
High performance, container-ready deployment

Supported schemes

visa secure logomastercard id check logojcb j/secure logoprotect buy logosafekey american express logounion-pay logo

Certified compliance

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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.

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Industry Evolution

Authentication has evolved. Has your ACS?

Issuer authentication requirements continue to evolve, but many ACS environments still rely on legacy architecture, rigid operational processes and limited visibility.
As EMV 3D Secure advances, issuers need an ACS that can better support modern infrastructure, greater authentication control and more flexible customer experiences.
01
Evolving requirements
EMV 3DS and card scheme requirements continue to develop, creating pressure to keep authentication environments current.
02
Legacy infrastructure
Older technology stacks and application-server-heavy environments can increase operational complexity.
03
Operational friction
Routine updates often depend on technical work, manual processes or support effort.
04
Limited visibility
Without clear operational insight, it can be harder to understand how authentication is performing.
Key Advantages

Why ActiveAccess

Stay ready for evolving 3DS
Stay ready for evolving 3DS
Support the latest evolution of EMV 3DS and relevant card scheme requirements with a modern ACS designed for ongoing authentication change.
Modernise your ACS infrastructure
Modernise your ACS infrastructure
Move beyond legacy ACS environments with modern architecture, more flexible deployment and improved alignment with contemporary technology environments.
Give teams greater control
Give teams greater control
Manage more of the authentication environment through an intuitive administration interface designed to support day-to-day operational needs.
Gain greater visibility
Gain greater visibility
Understand authentication activity more clearly through interactive dashboards and reporting across transactions, challenge activity, declines and more.
Interactive Product Showcase

Designed for teams that run authentication every day

ActiveAccess combines modern architecture with practical administration capabilities, helping teams manage issuer authentication with greater confidence and control.
See authentication activity more clearly
ActiveAccess provides interactive dashboard visibility across authentication activity, helping teams monitor transaction patterns, challenge ratios, declines, errors and device channels.
Key Dashboard Callouts
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 Transaction volumes
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 Success ratios
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Frictionless vs Challenge
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Decoupled authentication
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Decline reasons
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Error categories
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Device channel split
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 Issuer-level filtering
Live Dashboard Analytics Feed
Issuer BIN Filter: Active
Frictionless Flow
87.2%
Low Risk Score Allowed
Challenge Stepup Rate
12.8%
OTP / Biometric Prompts
Device Channel Split
App (58%) | Browser (36%) | 3RI (6%)
Take control of the cardholder experience
Configure challenge content and authentication experiences through a structured interface designed to give issuers greater control over how cardholders interact with authentication.
Key Challenge Control Capabilities
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Challenge content editing
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 Issuer-specific messaging
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Multiple challenge templates
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Browser and app experiences
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 Live preview
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Responsive preview formats
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Dynamic variables
Challenge Screen Configurator (Live Simulator)
GPayments ACS Branding Studio
Challenge Title Header
Verify Your Payment
Issuer Instructions Message
Enter the 6-digit passcode sent to your registered mobile number ending in *8821.
Submit Button Text
Confirm & Authorise
GLOBAL BANK
EMV 3DS 2.3
Verify Your Payment
Enter the 6-digit passcode sent to your registered mobile number ending in *8821.
Confirm & Authorise
Live Responsive Challenge Screen
Configure authentication journeys around your strategy
Create and manage authentication page flows by issuer, card scheme, authentication method and BIN-level requirements.
Key Flow Management Controls
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Flow configuration
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Drag-and-drop ordering
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Issuer-level configuration
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Card scheme configuration
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BIN-level assignment
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Authentication method control
BIN Authentication Flow Manager
BIN Range: 4532-xxxx (Visa Premium)
1
GPayments Risk Engine Evaluation
Evaluate transaction parameters & device telemetry
Frictionless Path
2
Primary: App-based Biometric (OOB)
Push notification to Banking App with FaceID
Challenge Method A
3
Fallback: Dynamic SMS OTP
Triggered if app notification times out (30s)
Frictionless Path
Flexible Options

Support a flexible authentication environment

ActiveAccess is designed to support modern issuer authentication strategies through a range of configurable authentication capabilities.
Risk-based authentication
Risk-based authentication
Apply configurable logic to help determine whether transactions proceed frictionlessly, require challenge or are rejected.
OTP authentication
OTP authentication
Support static and dynamic passcode authentication experiences.
Out-of-band authentication
Out-of-band authentication
Enable authentication flows that use separate channels or applications.
Decoupled authentication
Decoupled authentication
Support authentication experiences where verification occurs outside the immediate transaction flow (allowing up to 7 days for offline completion).
FIDO-based authentication
FIDO-based authentication
Support modern authentication approaches aligned to evolving user expectations.
Secure Payment Confirmation
Secure Payment Confirmation
Support modern authentication capabilities aligned to the latest evolution of EMV 3DS.
Enterprise Engineering

Built for modern payment infrastructure

ActiveAccess is designed to align more naturally with contemporary enterprise technology environments, helping organisations modernise how their ACS is deployed and managed.
Traditional ACS environments
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Older Java environments
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Multiple application components
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Application-Server-Heavy deployment
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Rigid infrastructure dependencies
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File-based operational changes
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More complex operational management
Efficiency & Agility

Move everyday ACS management closer to the teams that need it

ActiveAccess is built to reduce friction around common administration tasks, giving teams greater control over configuration, visibility and authentication experience management.
 Traditional approach
Change request
->
Technical work
->
Configuration updates
->
Deployment or Restart
->
Validation
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Log in
->
Configure
->
Preview
->
Apply
Example Day-to-Day Tasks Made Simple:
Update challenge messaging
Adjust authentication settings
Configure page flows
Review transaction activity
Manage issuer specific experiences
Refine operational controls
Make common authentication changes more manageable through a modern administration environment.

Active Access

Turn Uncertain into Trust icon

Turn Uncertainty into Trust

Boost sales, build customer trust, and protect your business by minimising risk and offering a secure and effortless shopping experience.

Acheive Global Icon

Achieve Global Compatibility

Delivering smooth cross-industry and cross-border coverage with seamless interoperability, enabling global reach and efficient business connectivity.

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Address Fraud and Chargebacks

Prevent fraud and chargebacks through advanced authentication and real-time fraud detection techniques ensuring secure customer transactions.

Experience Service Reliability icon

Experience Flexible Integration

Ensure a seamless payment experience for your customers, scale up your operations, save time & resources, and stay competitive in the market by integrating with our RESTful API.

Take Advantage of Flexible
Pricing icon

Take Advantage of Flexible Pricing

Easily adjust your plan with our simplified pricing structure, featuring no hidden fees and a flexible upgrade and downgrade policy.

Offer Wider Payment
Options icon

Offer Wider Payment Options

Stay ahead of the competition by scaling and expanding seamlessly with international and domestic card scheme support.

Access Dedicated Account
Management icon

Access 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.

Experience Service Reliability icon

Experience Service Reliability

Ensure uninterrupted operations with our reliable fraud prevention solution, featuring close to 0 downtime and no disruptions during scheduled maintenance.

Target Ecosystem

Built for issuer authentication environments

Banks and card issuers
Banks and card issuers
Modernise issuer authentication while gaining greater control over how authentication is managed.
Digital banks and fintechs
Digital banks and fintechs
Support modern 3D Secure authentication in a way that better fits current technology environments.
Issuer processors
Issuer processors
Manage authentication across multiple issuer environments with flexible configuration options.
Payment processors
Payment processors
Integrate issuer authentication capabilities into broader payment infrastructure and service environments.
3DS Ecosystem Authority

3D Secure is what we do

ActiveAccess is part of GPayments’ broader 3D Secure ecosystem. That means it is backed by a team with specialist experience across issuer, acquirer and directory server environments.
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Specialist focus on 3D Secure
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Support for issuer and acquiring environments
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Broader 3DS ecosystem expertise
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Enterprise-ready product capability
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Experience across modern payment authentication requirements
GPayments 3DS Product Ecosystem
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Issuing
Issuer Access Control Server (ACS)
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Acquiring
Issuer Access Control Server (ACS)
ActiveDS Logo
Schemes
3DS Directory Server Solution
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Testing
3DS Compliance & Testing Environment
Insights & Knowledge

Explore more

Product Overview
What is ActiveAccess?
Learn how ActiveAccess helps issuers modernise 3D Secure authentication.
Read Overview ->
Industry Brief
Preparing for evolving EMV 3DS requirements
Explore what issuers should consider as 3D Secure continues to evolve.
Read Overview ->
Architecture Guide
Modernising the ACS environment
Understand what to look for in a modern Access Control Server.
Read Overview ->
Operations Strategy
Authentication experience and operational control
See how greater configuration flexibility can improve day-to-day authentication management.
Read Overview ->
Questions & Answers

Frequently asked questions

What is an Access Control Server?

An Access Control Server, or ACS, is the issuer-side component in the 3D Secure process that helps authenticate cardholders during online transactions.

Who is ActiveAccess designed for?

ActiveAccess is designed for issuers, banks, issuer processors, fintechs and payment organisations responsible for issuer-side authentication.

What EMV 3DS versions does ActiveAccess support?

ActiveAccess is designed to support modern EMV 3DS requirements, including current 2.3.x-aligned capabilities.

Can ActiveAccess be deployed in different environments?

Yes. ActiveAccess is designed to support flexible deployment approaches aligned to enterprise requirements.

What authentication methods does ActiveAccess support?

ActiveAccess supports a range of authentication approaches including OTP, out-of-band authentication, decoupled authentication, risk-based authentication and modern authentication capabilities.

Can authentication pages be customised?

Yes. ActiveAccess provides configurable challenge-page management and page-flow controls to help issuers shape the cardholder authentication experience.

Does ActiveAccess provide reporting and dashboard visibility?

Yes. ActiveAccess includes dashboard and reporting capabilities to help teams better understand authentication activity.

Get Started

Ready to modernise your issuer authentication environment?

See how ActiveAccess can help your organisation support evolving 3D Secure requirements with greater control, flexibility and visibility.
Sydney Office
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Suite 213,
7 Railway Street
Chatswood NSW 2067
Australia
+61 2 9453 5411
Tokyo Office
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BUREX FIVE,
2-11-10 Shimbashi,
Minato-ku, Tokyo,
105-0004,
Japan
+81 (0)3-6868-8650
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Request an ActiveAccess Demo

Complete the form and a GPayments specialist will get in touch.

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Payment Gateway

* GPayments does not currently offer a payment gateway solution.

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For any support needs, we recommend using our incident management system, Tracker, to log your request. This ensures your enquiry is promptly directed to the right team.

Alternatively, you’re welcome to reach out to your dedicated account manager if you cannot access Tracker.

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The GPayments' Way

Turn Uncertain into Trust icon

Turn Uncertainty into Trust

Boost sales, build customer trust, and protect your business by minimising risk and offering a secure and effortless shopping experience.

Acheive Global Icon

Achieve Global Compatibility

Delivering smooth cross-industry and cross-border coverage with seamless interoperability, enabling global reach and efficient business connectivity.

Enhanced Risk Decision

Improved Risk Assessments

Utilise various parameters in the ACS to ensure a thorough assessment of transaction risk, improving the security of digital payments.

Unlock Success Icon

Unlock Agility & 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 and chargeback icon

Address Fraud Prevention & Chargebacks

Secure customer transactions and prevent fraud and chargebacks through advanced authentication and real-time fraud detection techniques.

Ensure Security & Compliance

ActiveAccess Service places a strong emphasis on security and compliance to ensure your adherence to payment industry security and compliance regulations.

Offer Wider Payment
Options icon

Offer Wider Payment Options

Stay ahead of the competition by scaling and expanding seamlessly with international and domestic card scheme support.

Access Dedicated Account
Management icon

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 GPayments' Way

Turn Uncertain into Trust icon

Turn Uncertainty into Trust

Boost sales, build customer trust, and protect your business by minimising risk and offering a secure and effortless shopping experience.

Acheive Global Icon

Achieve Global Compatibility

Delivering smooth cross-industry and cross-border coverage with seamless interoperability, enabling global reach and efficient business connectivity.

Enhanced Risk Decision

Improved Risk Assessments

Utilise various parameters in the ACS to ensure a thorough assessment of transaction risk, improving the security of digital payments.

Unlock Success Icon

Unlock Agility & 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 and chargeback icon

Address Fraud Prevention & Chargebacks

Secure customer transactions and prevent fraud and chargebacks through advanced authentication and real-time fraud detection techniques.

Ensure Security & Compliance

ActiveAccess Service places a strong emphasis on security and compliance to ensure your adherence to payment industry security and compliance regulations.

Offer Wider Payment
Options icon

Offer Wider Payment Options

Stay ahead of the competition by scaling and expanding seamlessly with international and domestic card scheme support.

Access Dedicated Account
Management icon

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.

Protecting Your Cardholders

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 Risk Assessments Icon

Flexible RBA & 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.

Tailored Issuing Branding icon

Efficiently 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 (SPC) biometric authentication for issuers

Secure Payment Confirmation

Deliver seamless biometric authentication within browsers through Secure Payment Confirmation (SPC). Cardholders can approve transactions instantly using fingerprint or facial recognition, combining speed, convenience, and compliance with industry standards.

Real-time transaction dashboard for issuers

Transaction Dashboard

Unlock real-time visibility across your authentication ecosystem. Dynamic dashboards provide instant insight into transaction volumes, success ratios, and device channels, empowering you to refine strategies, and optimise performance with confidence.

Secure Authentication Icon

Expand Flexibility with Decoupled Authentication

Enhance authentication flexibility with ActiveAccess’ adapter-based API. Seamlessly communicate with third-party authentication services beyond 3Dsecure flow, allowing cardholders offline authentication for up to 7 days.

ActiveAccess dashboard by GPayments showing issuer management, transaction statistics, and 3D Secure authentication analytics for card issuers.
Interactive challenge page customization icon – representing flexible and branded 3D Secure challenge pages for card issuer authentication.

Interactive Challenge Page Customisation

Bring your brand to life with flexible, interactive challenge pages configuration tailored to transaction context and cardholder preferences. Customise visuals and messaging to ensure every interaction feels intuitive, secure, and uniquely yours.

Simplified Merchant Whitelisting

Whitelisting API enables cardholders to create and manage whitelists of trusted merchants, allowing for bypassing authentication, and empowering issuers to manage these lists and view/remove trusted merchants through the administration console.

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Empower Secure Transactions with Dynamic Linking

Experience peace of mind with ActiveAccess, our advanced solution that embraces PSD2's Strong Customer Authentication (SCA) requirements. Safeguard your transactions with unique authentication codes while empowering payers with real-time payment details.

ActiveAccess dashboard interface displaying customizable challenge pages for 3D Secure issuer authentication by GPayments.ActiveAccess interface preview showing dynamic linking and payment authentication layout for issuers with Visa, Mastercard and many more.

3DS2 enrolment check included for 3DS1 compatibility

ActiveServer implements a 3DS2 enrolment check API to enable backwards compatibility with your 3DS1 systems. ActiveServer caches the BIN ranges of cards that are enrolled in 3D Secure 2. Before each authentication, the API call can be made to determine whether the given card supports 3D Secure 2. If not, you may fall back to an existing 3D Secure 1 MPI implementation. This API ensures compatibility with any 3D Secure 1 MPI on the market, and is crucial for merchants to obtain liability shift on 3D Secure 1 before liability shift for 3D Secure 2 is activated, or to adhere to regional mandates.

Card Schemes

Card Scheme compliance certificatess

Card Schemes

compliance certificatess

We offer support for a variety of card schemes to meet your needs. Please let us know which card schemes you require and we will work with you to provide the necessary support.

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Hosted Service

Enterprise-level hosted solution for fraud prevention, with secure multi-tenancy ActiveServer cluster, hosted on a world-leading cloud provider.

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Dedicated Service

Hosted solution with control and customisation options. Clients can delegate service maintenance or self-manage.

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On-Premise Implementation

Easy installation, on-premise deployment, high-availability cluster configuration, and customisable administration options.

Deployment Options

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Hosted

Bank-grade hosted solution for fraud prevention, with secure multi-tenancy ActiveAccess cluster, hosted on a world-leading cloud provider.

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Dedicated or White Labeled

Hosted solution with control and customisation options. Clients can delegate service maintenance or self-manage.

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On-Premise

Easy installation, on-premise deployment, high-availability cluster configuration, and customisable administration options.

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We are here to help

Please feel free to reach out to us if you have any enquiries. Our team is readily available to assist you and will provide prompt responses to your questions.

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