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Computop and ACI Worldwide offer new route to CNP authentication

Global payment service provider Computop has teamed up with ACI Worldwide to provide a new service that promises merchants a unique insight into their fraud risk and online customer activity.

A joint statement from the companies indicated that the solution also aims to help businesses combat fraud and increase conversion rates.

The integrated online payments and fraud prevention solution is powered by ACI's ReD Shield, a card-not-present (CNP) fraud detection and prevention solution for eCommerce merchants. The company statement acknowledges that existing 3D Secure (3DS) authentication functions well in the CNP environment, but it also suggests that merchants find it can contribute to basket abandonment because some shoppers do not want to go through another level of payment checking.

By using Computop Paygate integrated with ReD Shield, merchants are apparently given the option of making an informed choice about whether or not to refer a transaction to 3D Secure. All transactions are said to undergo a thorough risk assessment ahead of any potential call out for 3DS authentication.

If the transaction is low risk, the merchant may choose to approve without calling out to 3DS. If it is high risk, it can be declined automatically, avoiding the need to request a 3DS authentication. If the level of risk is ambiguous, then a request can be made for further validation through 3DS, via ReD Shield.

Computop and ACI said the process will give those merchants that have basket abandonment concerns the freedom to choose which transactions warrant the added protection of 3DS.

Ralf Gladis, CEO and co-founder of Computop, said the solution's "in-depth statistics and manual review interface" will help customers avoid fraud and improve conversion.

"What we are offering here is a contextual fraud prevention solution to help assess and act on risk factors before merchants are at the point of no return," he added.

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ACI Worldwide