Apata is a European fintech company headquartered in Dublin that provides a fully featured and compliant 3D-Secure (3DS) Access Control Server (ACS) for card issuers, processors and BaaS providers globally. Serving customers in Europe, the Americas and Asia, Apata provides a modern suite of tools to ensure smooth authentication of online card transactions and offers an easy-to-use portal for users to manage every aspect of the ACS configuration. As a new generation of ACS, Apata enables card issuers and processors to not only meet their regulatory obligations under PSD2, but the solution also enhances the recruitment and onboarding of new financial institution customers via the platform's multi-tenancy capabilities and easy onboarding process.

Apata’s ACS is PCI DSS and 3DS compliant and certified by Visa and Mastercard.

Why work with us

Apata equips its customers with highly configurable 3DS ACS technology. The solution offers full support for risk-based authentication and regulatory exemptions, including TBA, whitelisting and delegated authentication. Through a web portal, we offer flexible user permissions and secure 2FA login. Portal users enjoy easy and flexible access to analytics, real-time transaction monitoring and no-code tools for self-service ACS configuration management. Apata supports all best-practice authentication methods for 3DS, including Out-of-Band (via card issuer app), Behavioural Biometrics and SMS OTP, and is continuously developing new methods that optimise performance and the user experience.