Apata

About Apata

Apata provides a highly configurable 3D Secure Access Control Server (ACS) solution for fintech issuers and processors, supporting both 3DS1 and 3DS2 protocols along with issuer SCA exemptions like Transaction Risk Analysis. The platform enhances user experience by optimizing challenge processes, thereby reducing transaction abandonment and improving security during online payments.

```xml <problem> Fintech issuers and processors require robust 3D Secure (3DS) solutions to authenticate online transactions and comply with Strong Customer Authentication (SCA) regulations. Traditional 3DS implementations can introduce friction into the payment flow, leading to increased transaction abandonment and reduced conversion rates. Optimizing the challenge process while maintaining security is a key challenge for these organizations. </problem> <solution> Apata provides a configurable 3D Secure Access Control Server (ACS) designed specifically for fintech issuers and processors. The platform supports both 3DS1 and 3DS2 protocols, enabling secure authentication for a wide range of online transactions. Apata's solution focuses on optimizing the user experience during the authentication process, reducing friction and minimizing transaction abandonment. By supporting issuer SCA exemptions like Transaction Risk Analysis (TRA) and merchant whitelisting, Apata allows for a more streamlined authentication process where appropriate, balancing security with user convenience. The platform's architecture is designed for ease of integration and ongoing access to reliable and competitive capabilities. </solution> <features> - Configurable 3D Secure Access Control Server (ACS) - Supports both 3DS1 and 3DS2 protocols - Full support for issuer SCA exemptions, including Transaction Risk Analysis (TRA) and merchant whitelisting - Optimized challenge processes to reduce transaction abandonment - Streamlined onboarding processes for ease of integration </features> <target_audience> Apata's primary customers are fintech issuers and processors who require a modern and flexible 3D Secure solution. </target_audience> ```

What does Apata do?

Apata provides a highly configurable 3D Secure Access Control Server (ACS) solution for fintech issuers and processors, supporting both 3DS1 and 3DS2 protocols along with issuer SCA exemptions like Transaction Risk Analysis. The platform enhances user experience by optimizing challenge processes, thereby reducing transaction abandonment and improving security during online payments.

Where is Apata located?

Apata is based in Dublin, Ireland.

When was Apata founded?

Apata was founded in 2021.

How much funding has Apata raised?

Apata has raised $5.3M.

Location
Dublin, Ireland
Founded
2021
Funding
$5.3M
Employees
29 employees
Investors
AAF ManagementByld

Apata

8
Relative Traction Score based on online presence metrics compared to companies in the same age group.

Executive Summary

Apata provides a highly configurable 3D Secure Access Control Server (ACS) solution for fintech issuers and processors, supporting both 3DS1 and 3DS2 protocols along with issuer SCA exemptions like Transaction Risk Analysis. The platform enhances user experience by optimizing challenge processes, thereby reducing transaction abandonment and improving security during online payments.

apata.com500+
Founded 2021 – Dublin, Ireland

Funding

No specific funding rounds found.

Total Funding

$5.3M

Backed by

AAF ManagementByld

Team (25+)

No team information available.

Company Description

Problem

Fintech issuers and processors require robust 3D Secure (3DS) solutions to authenticate online transactions and comply with Strong Customer Authentication (SCA) regulations. Traditional 3DS implementations can introduce friction into the payment flow, leading to increased transaction abandonment and reduced conversion rates. Optimizing the challenge process while maintaining security is a key challenge for these organizations.

Solution

Apata provides a configurable 3D Secure Access Control Server (ACS) designed specifically for fintech issuers and processors. The platform supports both 3DS1 and 3DS2 protocols, enabling secure authentication for a wide range of online transactions. Apata's solution focuses on optimizing the user experience during the authentication process, reducing friction and minimizing transaction abandonment. By supporting issuer SCA exemptions like Transaction Risk Analysis (TRA) and merchant whitelisting, Apata allows for a more streamlined authentication process where appropriate, balancing security with user convenience. The platform's architecture is designed for ease of integration and ongoing access to reliable and competitive capabilities.

Features

Configurable 3D Secure Access Control Server (ACS)

Supports both 3DS1 and 3DS2 protocols

Full support for issuer SCA exemptions, including Transaction Risk Analysis (TRA) and merchant whitelisting

Optimized challenge processes to reduce transaction abandonment

Streamlined onboarding processes for ease of integration

Target Audience

Apata's primary customers are fintech issuers and processors who require a modern and flexible 3D Secure solution.

Sources:

1
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