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.
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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.
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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. -
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.
Why is Arcot a Great Choice for Merchants?
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Fraud Prevention and Data Science
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.
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Platform Flexibility and Control
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.
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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 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
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
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.

Arcot Network Capabilities for Merchants
Feature Function Benefit
Shares merchant supplied additional data fields to the issuer outside of the EMV 3DS rails.