The Arcot Network for Merchants

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

    How We Solve
    For Merchants

    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 Server (3DSS) enabling merchants to maintain compliance with government regulations like PSD2 and card scheme requirements. Our low latency, high availability architecture means our system will be up and running for every transaction you send.
      PSD_FY22_Icon_Compliance
    • Lower Digital Payment Fraud
      The Arcot Network gives merchants the tools to prevent fraud and improve their bottom line. Our rules engine, global data consortium, and fraud scoring capabilities enable merchants to identify fraud and push it out of the environment.
      PSD_FY22_Icon_Authentication
    • Higher Approval Rates
      The Arcot Network empowers merchants to reduce the friction of authentication during the shopping experience by maximizing exemptions and leveraging Delegated Authentication. Our consortium data and team of compliance and 3DS experts give merchants additional insights to achieve higher payment approval rates.
      PSD_FY22_Icon_Cardholder

    Why is Arcot a Great Choice for Merchants?

    • Fraud Prevention and Data Science

      shutterstock_1894505215
      Fraud Prevention and Data Science

      The Arcot Network provides merchants with the capability to prevent fraud and shift liability to the issuer on digital transactions through EMV 3DS. Our fraud scoring model gives merchants insight into the broader risk on that card and device. 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

      shutterstock_2119792355
      Platform Flexibility and Control

      Our flexible API integration options allow merchants to seamlessly embed our solution into their systems and user experiences. Our solution gives merchants the choice to step-up challenge or not unless regulations require it. And our investments in the Arcot platform propel us to the future and allow us to provide superior performance on uptime and latency.

    • Customer and Industry Focus

      shutterstock_1590068737
      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 Prevention and Data Science

    The Arcot Network provides merchants with the capability to prevent fraud and shift liability to the issuer on digital transactions through EMV 3DS. Our fraud scoring model gives merchants insight into the broader risk on that card and device. 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.

    shutterstock_1894505215
    Platform Flexibility and Control

    Our flexible API integration options allow merchants to seamlessly embed our solution into their systems and user experiences. Our solution gives merchants the choice to step-up challenge or not unless regulations require it. And our investments in the Arcot platform propel us to the future and allow us to provide superior performance on uptime and latency.

    shutterstock_2119792355
    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.

    shutterstock_1590068737

    Arcot Network Capabilities for Merchants

    Feature Function Benefit

    Compliance
    EMV 3DS Server
    Enables participation with the EMV protocol and compliance with scheme requirements.
    Fraud prevention, liability shift to issuer, SCA/PSD2 compliance.
    Exemption Manager
    Enables exemptions to be identified, applied to the transaction, and logged.
    SCA/PSD2 compliance, higher frictionless approval rate.

    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.
    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.
    Arcot Network Data Exchange
    Shares the issuer risk perspective with the merchant before 3DS challenge.

    Shares merchant supplied additional data fields to the issuer outside of the EMV 3DS rails.
    Higher approval rates, 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.