PayGuide Issuer
PayGuide Issuer is the complete 3D-Secure authentication product for Banks-Issuers and Processing Centers. PayGuide Issuer provides various card enrolment options and supports a variety of authentication methods.
Web
Api
PayGuide Issuer includes Access Control Server (ACS) certified by:
- EMVCo (3DS ver 2.2)
- Visa
- MasterCard
- MIR
- JCB
- AmEx
- Union Pay
PayGuide Issuer software features:
- Support multiple authentication methods
- Support numerous card enrolment solutions ready to use
- Support cardholder, BIN or card range level configurations
- Several banks can be supported within one ACS
- High-level performance and fault tolerance
- Provide important security features for data and user access protection, including HSM based database encryption
- Include online ACS admin tool to follow operations online, on transactions, cardholders, users
- Support multi-language options for authentication and for ACS admin tool
- Easy installation and maintenance
Card enrolment options:
- ACS admin, an online interface for individual card enrolment
- Batch file enrolment, for mass card enrolment
- Online enrolment on the Bank website
- Online enrolment during shopping
Authentication options:
- One Time Password sent via SMS, a combination of One Time and Permanent Passwords
- Authentication through external system (Hardware tokens, Issuer's proprietary system etc.)
- Biometric authentication via Mobile app (dedicated App and SDK for Issuer's mobile banking)
- Risk based authentication
Risk-based authentication:
- Based on current transaction data analysis
- Using transaction history (transaction value only)
- API to an external risk scoring system