The Arcot Network for Issuers

    Our network provides issuers with key capabilities to prevent eCommerce fraud and
    improve digital payment approval rates.

    How We Solve
    For Issuers

    According to the MRC Global Fraud and Payments Report, 3.6% of eCommerce revenue is lost to payment fraud globally. More than two-thirds of card fraud losses come through the eCommerce channel and eCommerce transactions are nearly 4x more likely to be declined by the issuer than in-store transactions.

    • Compliance
      The Arcot Network provides a fully compliant EMV 3DS Access Control Server (ACS) enabling issuers to maintain compliance with government regulations like PSD2 and card scheme requirements. Our Exemption Manager and Rules Engine empower card issuers to maximize frictionless authentications for their cardholders.
      Compliance
    • Lower Digital Payment Fraud
      The Arcot Network enables issuers to combat the fraud risk to their business. The Arcot Network Fraud Score alongside our Rules Engine and Case Manager give card issuers the ability to detect and prevent eCommerce fraud.
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    • Higher Approval Rate
      The Arcot Network also provides a secure way for issuers to receive digital information like device and geolocation data from merchants. This gives each issuer the information required to confidently approve the transaction. These higher approval rates drive higher interchange revenues for issuers.
      PSD_FY22_Icon_Cardholder

    Why is Arcot a Great Choice for Issuers?

    • Fraud Score and Data Science

      PSM_Image_Data-Science

      Fraud Score and Data Science

      Our fraud scoring model learns in real-time (within milliseconds) from all transactions on the network. It also leverages rich digital data points like device ID and geolocation information.

      Our world-class team of data scientists and engineers have over 27 patents in machine learning, fraud detection, and digital signal processing. All of this enables the Arcot Network to deliver better fraud detection than our competitors.

    • Platform Flexibility and Control

      businessman hand working with modern technology and digital layer effect as business strategy concept

      Platform Flexibility and Control

      Our flexible configuration and customization options for authentication, rules engine, and case management allow issuers to tailor our solution to their needs and strategies.

      Our real-time data integrations enable issuers to push rich digital data into their primary authorization, case management, or analytics system. And our investments in the platform propel us to the future and allow us to provide superior performance on uptime and latency.

    • Customer and Industry Focus

      Payment security with biometrics

      Customer and Industry Focus

      Our strategy is to build strategic long-term relationships with our customers in order to provide them the best total value. To accomplish this, we allocate resources to each customer to ensure their success on the Arcot platform.

      From an industry perspective, we are agnostic to card scheme and focused on our customers’ needs. We have been a leader in 3DS, fraud prevention, and payment authentication for 25 exciting years.

    Fraud Score and Data Science

    Our fraud scoring model learns in real-time (within milliseconds) from all transactions on the network. It also leverages rich digital data points like device ID and geolocation information.

    Our world-class team of data scientists and engineers have over 27 patents in machine learning, fraud detection, and digital signal processing. All of this enables the Arcot Network to deliver better fraud detection than our competitors.

    PSM_Image_Data-Science

    Platform Flexibility and Control

    Our flexible configuration and customization options for authentication, rules engine, and case management allow issuers to tailor our solution to their needs and strategies.

    Our real-time data integrations enable issuers to push rich digital data into their primary authorization, case management, or analytics system. And our investments in the platform propel us to the future and allow us to provide superior performance on uptime and latency.

    businessman hand working with modern technology and digital layer effect as business strategy concept

    Customer and Industry Focus

    Our strategy is to build strategic long-term relationships with our customers in order to provide them the best total value. To accomplish this, we allocate resources to each customer to ensure their success on the Arcot platform.

    From an industry perspective, we are agnostic to card scheme and focused on our customers’ needs. We have been a leader in 3DS, fraud prevention, and payment authentication for 25 exciting years.

    Payment security with biometrics

    Arcot Network Capabilities for Issuers

    Feature Function Benefit

    Compliance
    Exemption Manager
    Identifies, applies, and logs exemptions on each transaction.
    SCA/PSD2 compliance, higher frictionless approval rate.
    EMV Access Control Server (ACS)
    Enables participation with the EMV protocol and compliance with scheme requirements.
    Fraud prevention, SCA/PSD2 compliance.

    Lower Digital Payment Fraud
    Fraud Scoring
    Evaluates payment data and metadata to determine the likelihood of fraud and assign a score.
    More effective decisioning: lower fraud, fewer challenges, higher success.
    Case Management
    Facilitates fraud investigations, VIP list / hotlist activities, and marking of confirmed fraud transactions.
    Improves cardholder experience, drives model learning and analytics to reduce fraud/false positives.
    Reporting & Data
    Makes Arcot reports and data streams available for consumption and integration to customer systems.
    Drives lower fraud and more efficient operations.

    Higher Approval Rate
    Rules Engine
    Allows customer to define and modify rules to achieve the desired outcomes for transaction success, authentication, and fraud.
    Control and optimization of the payment experience.
    Strong Customer Authentication
    Integrates 3rd party or customer-defined authentication experiences into the platform; includes delegated authentication and 3rd party intelligence.
    Compliance with mandates, and improved customer experience.

    Join the Arcot Network Today

    Get in touch to learn how you can better prevent eCommerce fraud and improve approval rates across digital payments.