As the party that authenticates Card-Not-Present (CNP) transactions, Merchants and Acquirers need to be highly efficient in handling high volume of payments while ensuring lower risks of fraud. Thus, the process of authentication is a key component and the initiator of card payment processes.
The Access Control Server (ACS) is a key 3DS component in the Issuing domain that reduces the chances for fraud. Upon receiving an Authentication Request, the ACS is responsible for authenticating the cardholder’s transaction – either through a challenge flow or a frictionless flow.
Infinitium DS is developed based on EMV 3DS 2.2 protocol specification, and will continue to be updated as the version progresses. Infinitium’s Full DS Suite Applications comes with a Test Suite, a module for Digital Certificates Handling, a module to configure Custom Authentication Value (AV) Checksum, and the provision of On-behalf AV Validation feature for Issuers.
