Solutions
3D Secure
We provide services for leaders in the banking and fintech industry on the Polish market, with extensive experience in supplying the ACS database and migrating card records.
- Integration of 3D Secure solution is performed through implementation of web service methods
- The technology is implemented on the basis of certified Access Control Server (ACS)
- Support for the latest 3DS SCA standard for VISA cards – verified by VISA and Mastercard Identity Check in compliance with EMVCo guidelines

Mobile application authentication
We offer an ITCARD mobile application or use of an external partner’s server for the banking mobile application.
SMS password authentication
Securing online transactions using a one-time SMS password or a defined question and answer.
Enhanced security of transactions
The 3D Secure protocol supplements the online payment authorisation procedure with an additional step to authenticate the identity of the payer.
Authentication with a mobile application
Possibility to carry out the authentication process using a partner’s mobile application.
Risk Based Authentication
Authentication based on a set of rules and the frictionless flow use. We can implement the rules required by the partner and offer a set based on the experience and basis of actual authentications. Merchant whitelist A list of trusted merchants for whom strong authentication will not be necessary.
Merchant whitelist
A list of trusted merchants for whom strong authentication will not be necessary.