Issuer-side authentication workflow support
Available scope is defined during service scoping and implementation planning.
Risk Service
EMV 3DS ACS
Support issuer-side cardholder authentication workflows for online card transactions.
Risk ServiceService landing pageB2B
Customer problem
Issuers and card programs need to authenticate cardholders during online transactions while balancing risk management, user experience, scheme requirements, and operational records.
What Vellfi provides
Vellfi EMV 3DS ACS supports issuer-side authentication workflow planning and operation. It is positioned for issuer, neobank, fintech card program, and cardholder authentication scenarios.
Core capabilities
Capabilities to discuss during service scoping
Capability availability depends on service scope, technical requirements, customer eligibility, and applicable agreements.
Cardholder authentication decisioning support
Available scope is defined during service scoping and implementation planning.
Risk-based authentication coordination
Available scope is defined during service scoping and implementation planning.
Frictionless and challenge-flow planning where applicable
Available scope is defined during service scoping and implementation planning.
Authentication record support
Available scope is defined during service scoping and implementation planning.
Card program coordination
Available scope is defined during service scoping and implementation planning.
Integration planning with issuing workflows
Available scope is defined during service scoping and implementation planning.
Exception and operational review support
Available scope is defined during service scoping and implementation planning.
How it works
A practical service workflow
The workflow below shows how a service discussion can move from business context to operating model.
- 1
Online card transaction starts at merchant side
- 2
Authentication request reaches issuer-side ACS workflow
- 3
Risk, transaction, and cardholder context are evaluated
- 4
Frictionless or challenge path is applied where applicable
- 5
Authentication result is returned for transaction decisioning
Use cases
Where this service usually fits
- Issuer authentication workflows
- Neobank card programs
- Fintech issuing products
- Cardholder transaction protection
- Card program risk and authentication operations
Implementation and regulatory note
This page does not claim card-scheme certification, issuer licence, or approval by any regulator or card network. ACS implementation requires confirmation of scheme, issuer, processor, and technical responsibilities.
FAQ
Common questions before a service discussion
What is EMV 3DS ACS?
ACS stands for Access Control Server and refers to issuer-side cardholder authentication capabilities in 3DS workflows.
Who needs ACS?
Issuers, neobanks, card programs, and fintechs evaluating issuer-side online card authentication.
How is ACS different from EMV 3DS?
ACS is focused on issuer-side authentication; EMV 3DS pages may focus on transaction-authentication workflows for merchant, PSP, or acquiring-side use cases.
How does ACS connect with Issuing Platform?
Card programs often need authentication controls and cardholder verification alongside issuing operations.
Next step
Discuss EMV 3DS ACS with Vellfi
Use the Contact Us page to share your business model, operating context, and service requirements. Please do not submit sensitive identity, card, or transaction data through the website.