PaybizACS - ACS Server
For Card Issuers & 3D Secure Authentication

PaybizACS - Access Control Server For Card Issuers & 3D Secure Authentication

Reduce Frauds & Enhance Checkout Experience with PaybizACS, a cutting-edge 3D Secure solution.

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Prevent fraudulent transactions and improve cardholders' user experience.

To help Issuers and Fintechs to perform their ACS functions, PaybizACS is designed based on the latest specifications of EMVCo and provides vigorous Risk based authentication to perform frictionless authentication and ensures seamless customer experience for cardholders

3d secure

What is PaybizACS?

PaybizACS enables card issuers, payments processors, and fintechs to conduct ACS functions with a focus on compliance and security, making sure that its users are compliant with the payments cards industry’s security and EMVCo compliance standards.

Merchant Benefits

Enhanced customer experience

Seamlessly integrates with various payment channels for a unified web and mobile experience.

Increased Approval rate with less fraud

Increases approval rates while reducing fraud through increased data exchange between merchants and issuers.

Flexible Integration

Provides a more flexible user experience with greater control, facilitating smoother integration of the authentication process within the shopping journey.

Regional Compliance

Ensures compliance with regional regulations by supporting strong customer authentication (SCA) for issuers, acquirers, and payment service providers in regulated markets.

Issuer Benefits

Minimized friction

Facilitates smooth communication between merchants and issuers by strengthening risk-based authentication, resulting in better authorization decisions and effective fraud detection.

Enhanced User Experience

Create a streamlined and secure authentication process for the cardholder in the event of a high-risk transaction to offer the best possible customer experience. It also helps to maximize approval rates while minimizing frauds through improved data sharing between merchants and issuers.

Multi-Device Authentication Support:

Ensures an optimal customer experience to secure card-not-present (CNP) transactions on PC, mobile, and other digital platforms.

Strengthening Security and Streamlining Payments

Logibiz is a market contender within the 3D Secure space for years and provides the
cutting-edge technology to help card issuers decrease the risk of card-not-present
(CNP) fraudulent transactions.

Why Choose PaybizACS?

Opt for Logibiz for cardholder fraud prevention solutions that are seamless in security and comply with industry requirements.

Multiple Deployment Options

In-house and Cloud Hosted options are offered to fit your needs of deployments

Affordable & Flexible Pricing

Monthly, Yearly & Enterprise

AI based Risk engine

For real time risk assessment of the transactions and option for integration with 3rd party Risk Tools

Feature rich with customization Options

The solution can be tailored to include unique features requested by issuers

Issuer Branding

Option of customizable authentication page to incorporate issuer-specific logos, names and messages

3d secure

How It Works?

Discovery Call

Let our experts learn more about your specific need in a 30-minute discovery call and assist you that how our solution can help in the best possible way.

Demo / POC

Try our solution by connecting it with your system and confirm the result before you decide.

Customization & Integration

We will customize the solution to meet your specific need and ensure seamless integration with your system as a unified unit.

Handover & Sign Off

We will ensure a smooth transition and provide comprehensive training & documentation to your team to formally Signoff the engagement.

Flexible Pricing Plan

Choose the plan that meets your business needs. Pay annually or monthly based on your preferences


Monthly Subscription

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Yearly Subscription

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Customized Solutions

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Have any Questions? Get In Touch With Our Support

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free Proof of Concept (POC)


to our sandbox environment within 48 hours.

+ Get 3 Months Free with a 1 Year’s Subscription
  This promo is available until March 31 Only.

Our Valuable Customers and Trusted Industry Partners

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How Access Control Server Works

The Access Control Server (ACS) in the Issuing domain is essential for preventing fraud in 3DS transactions. After receiving an Authentication Request from the Directory Server, the ACS confirms the cardholder’s identity using either a challenge or frictionless flow.

During a transaction, the ACS prompts for 2-Factor Authentication (2FA) using methods like One-Time-Passcode (OTP), Biometrics, or Risk-Based Authentication (RBA). The received data undergoes rapid processing across Issuing, Acquiring, and Interoperability domains, resulting in transaction approval or rejection between seconds to minutes.

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What is a 3DS Server ?

The 3DS Server provides a functional interface between the Directory Server (DS) and the 3DS Requestor Environment flows. 3DS Server is responsible for gathering necessary data elements for 3-D Secure messages, authenticating the DS, validating the DS, the 3DS SDK, and the 3DS Requestor, safeguarding the message contents. The 3DS Server also helps to protect the message content while it is being transferred to DS and vice versa.