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Welcome to ActiveSDK. Please not that the information on this page is no longer current. If you would like to access the most up-to-date content on our 3D Secure SDK solution, we encourage you to explore our new Acquiring page accessible via our website menu or click the button below.
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EMVCo certified, and supports global major card schemes, with potential to add more in the future
ActiveSDK includes 2 SDKs: one for Android and one for iOS. Each of which are written in their native languages (Java and Swift respectively), and will include updates to support the latest versions of each OS.
ActiveSDK can be wrapped inside another SDK before being provided to the merchant for integration. This means if you are a payment gateway or acquiring bank that already supplies an SDK for your merchants, ActiveSDK can be integrated into your SDK, simplifying the integration process for the end merchant.
3DS2 leverages data collected about the consumer to make an informed decision about the transaction's risk of being fraud. ActiveSDK facilitates this data collection process to help issuers achieve more accurate authentication results, which in turn helps secure the consumer's credit card from fraud.
ActiveSDK comes with 3 demo apps: a Java demo app for Android, as well as Swift and Objective-C demo apps for iOS. These demonstrate ActiveSDK's functionality, and serve as sample code for integration. Speaking of which, there is comprehensive documentation and integration guides.
Unlike in 3D Secure 1, there are no more tedious and suspicious browser redirections; this means a unified app UI and seamless cardholder authentication can co-exist.
Once embedded in a merchant's app, ActiveSDK will allow the customer to checkout faster through the frictionless authentication process of 3D Secure 2. Customers literally won't notice a thing.
With ActiveSDK, merchants can create a clean and unified app interface, and allow authentication to occur natively inside the app. This removes the suspicious browser redirection issues and the poor screen presentation that plagued 3D Secure 1.
ActiveSDK can be deployed in various ways; it can be a standalone SDK for developers to connect to and use, or it can be wrapped inside another SDK for payment gateways to distribute as part of their own SDK.
ActiveSDK was developed in accordance with the official EMVCo 3D Secure 2 specifications. This means ActiveSDK utilises a standard set of APIs, and can be used with any other 3D Secure 2 component on the market.
Unlike in 3D Secure 1, there are no more tedious and suspicious browser redirections; this means a unified app UI and seamless cardholder authentication can co-exist.
In 3D Secure 2, a rich set of data about the customer is collected by the device, which means the issuing bank will have more data points to make an intelligent assessment on a transaction's risk. ActiveSDK facilitates this data collection process by gather info about the customer's mobile device. In turn, authentication results can be more accurate, than ever before.
By far the most common issue with 3D Secure 1 was that customers would give up on their checkout due to the authentication challenge. 3D Secure 2 has fixed this by introducing Frictionless Flow, which can automatically authenticate a customer without any challenge if the risk of fraud is low. This means ActiveSDK may allow the cardholder to complete a transaction in a matter of seconds.
In 3D Secure 1, the only way to verify a cardholder was to make them enter a password, but it was a pain to type in, and often easily forgotten. 3D Secure 2 has solved this by introducing new authentication methods, including biometrics. ActiveSDK enables authenticate on mobile devices via fingerprint and facial recognition, which are both faster and more secure.
In summary, customers will no longer be bothered by out-of-place challenge screens, and won't need to —— means less cart abandonment, and more transactions will go through. Ultimate, this benefits the cardholder and the merchants.
Easy to use API
Adapter based 3DS Server integration scaffolding provided
Ready-to-use GPayments ActiveServer Adapter included
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