iSignthis Authentication features a series of capabilities including:• It is Card Scheme agnostic - a single solution integrated at a single point (the PSP) can authenticate all cards from any scheme;• It is Issuer independent - consistent with the ECB requirements, iSignthis Authentication is an acquiring side solution that does not require direct technical or commercial links with the issuing institution or card scheme;• It allows acquiring PSPs, payment integrators and payment gateways a means for authenticating transactions without the requirement to establish direct links to the issuing PSP. It also means that acquiring PSPs/payment gateways can be in control of their compliance timetable independent of the myriad issuing institutions in the SEPA;• It is a Single low cost integration at the PSP to provide coverage of all card schemes, including China Union Pay, AmEx, Mastercard, Visa, Carte-Bancaire, Diners, Discover, JCB;• Cardholders remain anonymous to iSignthis via our double blind tokenised approach;• It works on all legacy and banking systems and re-uses issuers online or telephone banking portals as part of the cardholder identification process;• It is a single solution providing global reach across any IP device, any issuer, any card scheme and in any acquiring region.
Merchant Protect, iSignthis’s card not present (CNP) authentication service, is a patented two factor (2FA), dynamic one time password (OTP) authentication system for card not present credit and debit card transactions. Merchant Protect is an alternative to 3D Secure and offers a single integration point at a PSP (or acquirer) to allow for authentication of all cards anywhere in the world without the need for card pre-enrolment or user preregistration.
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