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    GPayments

    From Wikitia - Reading time: 5 min
    GPayments
    IndustryIT Services and IT Consulting
    Founded1999; 25 years ago (1999)
    FounderBahram Boutorabi
    HeadquartersSydney, New South Wales
    Websitegpayments.com

    GPayments is an Australian-based provider of fraud prevention solutions beneficial for card issuers, acquirers, payment service providers, and merchants.[1] They are best known for securing online Card-Not-Present transactions, with a specialisation in EMVCo 3D Secure authentication solutions.[2]

    With over 20+ years of experience in technology development, GPayments was the first company in the Asia-Pacific region to develop 3D Secure solutions and shares deep expertise and proficiency in the 3DS protocol. The company serves over 100,000+ merchants, banks and distributors across the globe.[3]

    History[edit]

    GPayments was founded in 1999 by Bahram Boutorabi, the Chief Executive Officer of the company.[4] The Fraud Management firm falls under the Neurocom Group, alongside Member Check, a provider of Risk Management solutions through the MemberCheck AML/CTF, Identity Verification and KYC screening platform.[5]

    GPayments uses global standards such as EMVCo 3D Secure and global card scheme authentication programs offered by Visa, MasterCard, AMEX, UPI, JCB, Discover and eftpos. With over two decades of experience in technology development, the company has established itself as a leader in fraud management.[6]

    Expanding its global reach, GPayments dominates the 3D Secure acquiring markets in Japan and Australia, and is a leader in the 3D Secure issuing markets in Eastern Europe.[7]

    Platform[edit]

    GPayments provides a complete range of integrated authentication products based on the 3D Secure protocol, Verified by Visa, Visa Secure, Mastercard SecureCode, Mastercard Identity Check, JCB J/Secure, American Express SafeKey and Discover ProtectBuy.[8] The Fraud Prevention products offered by GPayments are: ActiveServer, ActiveSDK, ActiveAccess(3DS 1 and 3DS 2), ActiveMerchant (3DS 1) and 3DSecure Testlabs (3DS Test Environment).[9]

    GPayments has recently introduced a new version of its Access Control Server (ACS), ActiveAccess, which supports 3D Secure1, 3D Secure 2, and Strong Customer Authentication (SCA). Its authentication suite offers services for eCommerce and mCommerce transactions, facilitating flexible, cost-effective solutions for its eBanking customers. It also offers an additional security layer for online credit card transactions, useful for banks and financial institutions.[10]

    Products and Services[edit]

    GPayments products revolve around fraud prevention, data security as well as browser and mobile payment authentication. The major solutions provided by the company are a 3DS Server (ActiveServer) both hosted and on-premise, Access Control Server (ActiveAccess), 3DS SDK (ActiveSDK), Directory Server (ActiveDS), and Merchant Plug-In (ActiveMerchant). Through these products, the company aids its clients to reduce card fraud and eliminate chargebacks.[11]

    Besides the main 3DS components offered above, GPayments also provides an end-to-end 3D Secure authentication testing platform, TestLabs, for clients to test any of their 3DS components, or to perform product integration testing. Unlike many test tools that utilise simulators, TestLabs comprises live and fully developed 3D Secure components: ActiveServer, ActiveMerchant , ActiveAccess and ActiveDS (a Directory Server). This provides users with more realistic test results, as well as the flexibility to specify custom test cases. This tool can be used by those looking to implement an existing 3D Secure solution or build their own 3D Secure product.[12]

    The entire line of integrated authentication solutions offered by GPayments is certified compliant for PCI-DSS, PCI-3DS, Visa Secure, Mastercard Identity Check, JCB J/Secure, American Express SafeKey, Discover ProtectBuy, UPI 3D-Secure and eftpos Secure. The company has its solutions deployed globally within some of the world's largest international corporations.[13]

    Industry Partners[edit]

    GPayments industry partners include Visa International, Mastercard International, JCB International, American Express, Thales and eftpos.

    Awards and Milestones[edit]

    GPayments shares a long list of achievements, some of which include:

    • 2000: GPayments became a founding member of Visa International’s 3D secure forum
    • 2001: GPayments was featured in the top 10 Fastest-Growing Technology Company in Australia by Deloitte Touche Tohmatsu Fast 50
    • 2002 : GPayments was featured in the top 20 Fastest-Growing Technology Company in Australia- Deloitte Touche Tohmatsu Fast 50. In the same year, the company bagged the top 50 Fastest Growing Technology Company in Asia Pacific
    • 2005 : GPayments partnered with Mastercard in the development and evolution of the Secure Payment Application protocol
    • GPayments releases a new version of its ActiveAccess authentication platform to support two factor and 3D secure authentication for internet banking and payment solutions​
    • 2007 : GPayments became the top 10 Fastest-Growing Technology Company in Australia- Deloitte Touche Tohmatsu Fast 50
    • 2011: GPayments is the first in Australia to deliver authentication solutions supporting the American Express SafeKey® protocol for 3D Secure authentication of online purchases
    • 2013: GPayments announces the release of a new 3-D Secure ACS solution, ActiveAccess with an embedded database, to significantly reduce implementation costs for issuing banks
    • 2014: GPayments is the first in Australia to deliver authentication solutions supporting the Diners Club International/Discover ProtectBuyˢᵐ protocol for 3D Secure authentication of online purchases
    • 2015: GPayments’ Access Control Server, ActiveAccess, and Merchant Plug‑In, ActiveMerchant, achieve Diners Club International/Discover ProtectBuy compliance
    • 2018: GPayments’ 3DS Server, ActiveServer, achieves EMV 3DS v2.1 compliance and GPayments’ Access Control Server, ActiveAccess, and Merchant Plug‑In, ActiveMerchant, achieve Mastercard Identity Check compliance
    • 2019: GPayments’ 3DS Server, ActiveServer, achieves Visa Secure, Mastercard Identity Check (IDC), JCB J/Secure2.0, American Express SafeKey 2.0 and Discover ProtectBuy 2.0 compliance
    • 2020: GPayments establishes a hosted service for its 3DS Server, ActiveServer SaaS, after achieving the highest level of PCI DSS Compliance
    • ActiveServer SaaS achieves compliance with the Visa Secure, Mastercard IDC, JCB J/Secure2.0, American Express Safekey 2.0 and Discover ProtectBuy 2.0 service provider programs
    • ActiveServer, GPayments’ 3DS Server, achieves EMV 3DS v2.2 compliance.
    • GPayments achieves ISO 27001:2013 certification – Information Security Management System
    • 2021: ActiveServer, GPayments’ 3DS Server, achieves compliance with Mastercard Identity Check v2.2​
    • GPayments connects with Australian company eftpos to add support for eftpos Secure to its 3D Secure Server solution for merchants, acquirers and payment service providers, ActiveServer. Achieves eftpos Secure certification in December, enabling support to local industry in Australia

    References[edit]

    1. ↑ "GPayments". Australian FinTech. Retrieved 15 July 2022.
    2. ↑ Media, F. S. T. (9 February 2022). "eftpos certifies GPayments as 3D Secure provider". FST Media. Retrieved 15 July 2022.
    3. ↑ "Eftpos certifies GPayments' 3D Secure Server solution". thepaypers.com. Retrieved 15 July 2022.
    4. ↑ "GPayments ushers new CEO through its gateway". www.arnnet.com.au. Retrieved 15 July 2022.
    5. ↑ "eftpos online payments & security rollout forges ahead with certification of Australia's GPayments | eftpos Australia". www.eftposaustralia.com.au. Retrieved 15 July 2022.
    6. ↑ "RFID, Barcode, OTP, SSO, IVRS, SMS, Web Domain Hosting, Internet Payment Service Online". www.mobiletech.com.hk. Retrieved 15 July 2022.
    7. ↑ "GPayments upgrades authentication platform". Finextra Research. 5 April 2005. Retrieved 15 July 2022.
    8. ↑ Zaharov-Reutt, Alex. "iTWire - VIDEO Interview: Beem It CEO Mark Britt beams into iTWireTV, talking Beem Rewards and more". itwire.com. Retrieved 15 July 2022.
    9. ↑ "3D Secure is Now Available for Card Issuers in Kyrgyzstan". Retail Dive. Retrieved 15 July 2022.
    10. ↑ "Strong Customer Authentication (SCA) Market Presents an Overall Analysis, Trends and Forecast to 2026". newsorigins.com. 31 May 2022. Retrieved 15 July 2022.
    11. ↑ Smith, Lydia. "3D Secure (3DS)". 3D Secure (3DS) Analyse de la taille du marché 2022. Retrieved 15 July 2022.
    12. ↑ "False Declines, the bane of the payment industry". Finextra Research. 21 April 2022. Retrieved 15 July 2022.
    13. ↑ "Global & Argentina 3D Secure Authentication Market Overview through 2028| Business Market Insights – ManufactureLink". manufacturelink.com.au. Retrieved 15 July 2022.

    External links[edit]

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