Introduction
Apata is a cloud-native 3D Secure platform built for the specific demands of multi-issuer environments. Trusted by some of the world's largest fintechs and traditional banks, Apata handles the full complexity of modern 3DS authentication - from risk evaluation and cardholder challenge to scheme reporting and compliance.
By the Numbers
ACS transactions processed per year
Issuers live on the platform globally
To onboard a new card issuer
Certified for EMVco 2.2 and 2.3.1
Expires: 16 Apr 2026
Expires: 19 May 2026
Expires: 30 Jan 2027
Scheme Certifications
Apata is certified globally by all major payment schemes, with regional scheme support available as required.
Visa Secure (formerly Verified by Visa)
Mastercard Identity Check (formerly Mastercard SecureCode)
ProtectBuy
SafeKey
Jaywan is the UAE’s domestic card scheme
Coming soon
The Platform
Apata is a multi-tenant platform with a dedicated workspace for each card issuer. Each Financial Institution operates independently with its own configuration, users, and analytics, while the Organisation layer provides full oversight and control across all tenants.
The platform is hosted on AWS Frankfurt, designed for the reliability and data residency requirements of financial services.
The Apata Portal
A single API integration gives access to everything. The Portal is where issuers configure, test, and manage their full 3DS setup without requiring engineering involvement for day-to-day changes.
Onboard a new card issuer in under 15 minutes. The platform provisions default resources automatically so issuers can start testing immediately.
Set up challenge methods, interfaces, risk rules, and card programs through the Portal. No code changes required to adjust authentication behaviour.
Manage each Financial Institution independently. Delegate access and permissions so each tenant has autonomy where it is safe, while the Organisation retains control where it matters.
Explore transaction data, track key metrics, and understand authentication outcomes across all issuers from a single view.
Platform Features
Validate new risk logic with Backtesting before it reaches production. Compare results against historical transaction data and ship what works with confidence.
Total visibility across the full transaction lifecycle. Every evaluation, rule outcome, and challenge step is logged, giving teams clarity and faster answers.
Delegate permissions safely so each tenant has autonomy where it is appropriate. Organisation admins retain control over the configuration that matters most.
Clear, real-time reporting with direct control over risk rules at every level. Adjust, test, and resolve issues fast without digging through data.
Getting Started
Apata follows a straightforward path from evaluation to go-live.
Step | Description |
|---|---|
| Trial the platform and validate it meets your requirements. |
| Align on commercial terms with the Apata team. |
| Formal agreement in place. |
| Authentication value keys exchanged for your schemes. |
| Configure your environment and validate with the Merchant Simulator. |
| Onboard each issuer in under 15 minutes. |
| Update your Directory Server ACS URL and start processing live traffic. |
Get in Touch
Ready to get started or want to learn more about the platform? We'd love to hear from you.
Updated 24 days ago