mylapay secure

Our 3D Secure 3DS Authentication Platform is an enterprise grade, cloud native solution engineered to deliver secure, seamless, and fully compliant cardholder authentication for digital payment transactions. Built and optimized for AWS, the platform supports EMV 3D Secure 3DS 2.x protocols, enabling organizations to implement frictionless Strong Customer Authentication SCA while maintaining outstanding user experience and adherence to global and regional regulatory standards.

Designed for high performance payment ecosystems, the platform facilitates secure communication between Access Control Servers ACS, Directory Servers, and issuer environments. It leverages a robust risk based authentication RBA engine, dynamic challenge flows, and real time decisioning to reduce fraud, minimize false declines, and maximize transaction approval rates.

Key Capabilities EMV 3DS 2.x Compliance: Full support for EMVCo specifications, including biometric, app based, and OTP authentication. Risk Based Authentication: Real time risk scoring and adaptive challenge strategies for optimal security and user experience. High Availability and Scalability: Cloud native architecture with AWS auto scaling, load balancing, and multi region support for high TPS workloads. Seamless User Experience: Mobile and web optimized challenge flows that ensure frictionless authentication journeys. Advanced Security Controls: End to end encryption, tokenization support, and PCI DSS aligned processing framework. Comprehensive Monitoring: Real time dashboards, analytics, and audit ready reporting for compliance and operational insight.

Business Value Reduces fraud and chargebacks through strong, risk adaptive authentication Increases transaction success rates by minimizing friction Enhances customer experience with streamlined challenge flows Accelerates time to market for issuers and payment service providers Ensures compliance with EMV, card network, and regulatory requirements such as RBI and PSD2

Deployment and Integration Available as a secure SaaS deployment on AWS Marketplace, the solution supports flexible integration with issuer systems, payment gateways, core banking platforms, and fraud monitoring tools. APIs and SDKs simplify onboarding and enable rapid adoption within existing payment infrastructures.

Why Choose This 3DS Platform on AWS Marketplace Organizations gain a proven, high performance authentication solution that combines security, scalability, and regulatory compliance backed by AWS reliability. Designed for modern digital payment ecosystems, the platform helps businesses scale confidently while providing an exceptional cardholder authentication experience.