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.
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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.
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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. -
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.
Why is Arcot a Great Choice for Issuers?
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Fraud Score and 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.
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Platform Flexibility and Control
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.
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Customer and Industry Focus
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.

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
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.
