Adaptive Payments provides the first dual channel, PIN authentication platform available in the market today. Using Adaptive Payments’ proprietary 5DSecure™ technology, all participants in the e-commerce and m-commerce value chains can achieve highly authenticated, more secure, lower cost transactions that result in better buyer and seller experiences.

Why 5DSecure?

During the checkout process, 5 data factors can be collected and interrogated:
1.Personal details
2.Card details
3.IP address
4.Phone number (new use with Adaptive Payments!)
5.Payment card PIN (new with Adaptive Payments!)

Key attributes of the Adaptive Payments platform:

Two Separate and Distinct Channels for Authentication.In the Adaptive Payments’ technology model, we use the retailer’s website as the channel to collect personal and card details, and a separate channel in the form of a phone call to the consumer at a number they designate in order to capture their PIN.

Security. Security is inherent in the design of the core platform and the applications built on top of it to achieve a PCI-Level 1 Processor designation. Encryption is provided by high-end tamper-proof devices, and best practice encryption management is an inherent part of our processing standards.

High Speed, High Volume Transaction Processing. The platform offers an inline process that is infinitely scalable, and ensures remarkably fast response times with an intuitive and non-obtrusive process that will delight buyers and meet or exceed all network requirements.

Open Source Technology. The infrastructure has been built using modern, high performance and reliable technologies. It is compatible with a variety of Web, IVR and Mobile technologies.

Easy Integration. The platform is easy to integrate with plug and play support into merchant checkout as well as acquiring processor environments. Merchant enrollment is made simple with a few clicks of a button using our online enrollment tool.

Robust Reporting. All data and audit points are captured throughout the life cycle of each transaction to enable both technical and marketing analysis. Transaction processing troubleshooting is easy based on the key reports and dashboards. The consumer experience is captured from start to finish so that data-driven improvements can be recommended and tested.

Click here to experience a demonstration of how the 5DSecure platform provides PIN authentication for an e-commerce transaction today. Fill in the Merchant Checkout Page using your own mobile number, press Continue, and then listen for your immediate PIN authentication call. It's that fast and easy!