AI TOOL PROFILE
gpayments Review: Payment Fraud Detection Software
- Security
- Cybersecurity
- Ecommerce stores
- Payment processors
- Card issuers
- Payment gateways
- Financial institutions
Pricing
Pricing was not clearly available from the provided evidence. Buyers should confirm current pricing on the vendor website.
At a glance
- Best for
- Ecommerce stores, Payment processors, Card issuers, Payment gateways, Financial institutions
- Key use cases
- PSD2 SCA Compliance, Reducing Chargebacks, Mobile Payment Security, Cross-Border Fraud Prevention
- Integrations
- RESTful API
- Official website
- Visit gpayments official website
How AI is used
gpayments offers a suite of authentication tools designed to secure online transactions through the EMVCo 3D Secure protocol. The software includes components for both acquirers (ActiveServer) and issuers (ActiveAccess), as well as tools for mobile integration and testing.
The tool is designed for financial entities, including payment gateways, card issuers, and online merchants. It supports major card schemes such as Visa, Mastercard, American Express, and JCB, which may help businesses manage cross-border payment security.
Beyond basic authentication, the system includes risk-based authentication (RBA) to support a frictionless flow for low-risk transactions. This is intended to help merchants potentially reduce cart abandonment rates while maintaining security.
Buyers should confirm which deployment model fits their needs, as the company offers hosted SaaS, dedicated service, and on-premise implementation options.
Key Features
ActiveServer (3DS Server)
An authentication server for acquirers and merchants to help verify cardholder identities and reduce chargeback liability.
ActiveAccess (ACS)
An Access Control Server for issuers that manages the authentication process for cardholders.
ActiveSDK
A mobile SDK for Android and iOS that supports native authentication methods within mobile applications.
Risk-Based Authentication (RBA)
Analyzes transaction data to allow low-risk payments to proceed without manual user intervention.
TestLabs
An end-to-end testing environment for validating 3DS implementations.
ActiveMerchant (MPI)
A merchant plug-in that identifies if a card is enrolled in a 3D Secure program.
Use Cases
PSD2 SCA Compliance
Using multi-factor authentication to help meet Strong Customer Authentication requirements in the European Economic Area.
Reducing Chargebacks
Implementing 3D Secure protocols to help shift liability for fraudulent transactions from the merchant to the issuer.
Mobile Payment Security
Integrating the ActiveSDK to provide native authentication flows for mCommerce users.
Cross-Border Fraud Prevention
Supporting various international card schemes to authenticate payments from different global regions.
Integrations
- RESTful API
FAQ
What is gpayments used for?
- It is used to help prevent payment fraud in online and mobile transactions by implementing 3D Secure authentication protocols.
Does gpayments support PSD2 SCA requirements?
- Yes, the ActiveAccess and ActiveServer solutions are designed to help banks and merchants comply with Strong Customer Authentication (SCA) under PSD2.
Who is the target audience for gpayments?
- The software is designed for ecommerce stores, payment processors, card issuers, acquirers, and financial institutions.
How does it help with cart abandonment?
- By using 3D Secure 2 and Risk-Based Authentication, the tool can support 'frictionless flow,' which may reduce the need for manual passwords and help lower cart abandonment rates.
Source category: Security
Source subcategory: Cybersecurity
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