Efficient and innovative authentication methods like SuperPIN, Swipe2Pay and
multi-factor authentication improve
success rates
Supports Visa, Mastercard and American Express
Device binding, risk-based authentication, behavioral biometrics and an advanced AI/ML based scoring system reduce fraud
Manage peak loads with our
cloud-native, loosely-coupled, microservices architecture-based platform
Reduce your Total Cost of Ownership (TCO) through our pay-as-you-go, cloud-native platform. No hardware, software, IT team, datacenter, Security Operations Center, Network Operations Center
Enable instant conversion to instalments on the ACS page and increase credit cross-sell
Enable users to pay with reward points on the ACS page to
improve engagement
Easy integration into your mobile experience through ready APIs, SDKs, webhooks and interceptors
Customizable ACS page designs to match the look and feel of your brand
Customers can use a dynamic PIN that changes every 60 seconds, as the authentication password. No need to wait for SMSes or emails. Works on any device without network connectivity
Integrate Swipe2Pay to enable your customers to authenticate a transaction with a single swipe on their mobile device. Reduces 3DS transaction time to under 5 seconds and improves transaction success rates
Customers can use fingerprint or face ID via their phone or laptop webcam as their second factor
Minimize explicit second factor challenges at trusted merchants that are configurable by the user through secure device
binding validations
Issuer and user configurability on one or more combinations of face ID, fingerprint, device ID, device PIN, app PIN to serve as authentication vectors in different scenarios
Use heuristics or defined rules based on transaction and demographic parameters to identify and challenge only those transactions that are classified as high-risk
Cipher comes pre-equipped with a comprehensive secure backoffice for your product, support and risk management requirements
Offer unparalleled payment experiences with the most advanced ACS