The Pine Labs Access Control Server clears legitimate online transactions without friction, verifies risky ones with biometrics and out-of-band authentication, and records the reasoning behind every decision.
Compliant
by design.
EMVCo 3DS 2.3.1 certified
PCI 3DS certified
Interoperable with 3DS 2.1 and 2.2 environments
A layer of intelligent authentication. Three wins.
Fraud becomes far harder to commit. A real-time risk engine and adaptive step-up, built on the EMVCo 3DS 2.3.1 standard. And where cardholders approve with biometrics, there's no code to phish, intercept, or SIM-swap.
Cost comes down on two fronts- fewer fraud losses and chargebacks from sharper risk decisioning, and lower messaging spend as approvals shift from paid SMS to device biometrics.
Approvals go up, drop-offs come down. Real-time routing clears low-risk transactions, and where a check is needed, one-tap biometrics replace the OTP, so authentication becomes frictionless.
Why Pine Labs ACS?
Live in under a week
From onboarding to production, no multi-month migration.
Cloud-native and API-first
Clean APIs, built for the cloud, ready to integrate.
Fits your existing stack
Runs alongside your current issuer systems — no rip-and-replace.
Your brand, on every screen
Authentication pages are fully customizable to your design guidelines.
Supports every card type
Credit, debit, prepaid, and forex.
Every authentication path.
One ACS to run them.
Risk-Based Authentication (RBA)
A real-time risk engine scores every transaction: low-risk clears frictionless, elevated risk is stepped up— protecting conversion without lowering the guard.
Secure Payment Confirmation (SPC)
One-tap biometric approval via WebAuthn and passkeys. Cardholders confirm with a glance or a fingerprint on their own device — no codes, no app-switching, no waiting.
Out-of-Band Authentication (OOB)
Push approval to banking app; the cardholder confirms with PIN or in-app biometric.
OTP Authentication
Standard OTP authentication via SMS or Email, available both as a primary method or intelligent fallback when advanced methods are unavailable.
The issuer dashboard. Built to end the guessing.
Define risk rules for Risk-Based and Step-Up Authentication, deciding when to allow frictionless flows and when to trigger additional verification.
Track daily transaction volumes, authentication success rates, challenge rates, and failure counts, across any two periods.
Drill down into failure reasons to understand whether a decline was driven by risk rules, timeouts, customer abandonment, or technical issues, not just that it occurred.
Search any cardholder by card number or mobile number and instantly block online transactions directly from the console.
