Modirum ACS, also known as 3-D Secure Access Control Server, is a critical component in the 3DS authentication process. The Modirum ACS is responsible for verifying the identity of a cardholder during an online transaction. Operated by a card issuer or their service provider, the ACS receives authentication requests and determines whether to approve or challenge a transaction based on risk signals and available data. By facilitating secure communication between the issuer and the cardholder, the Modirum ACS helps prevent fraud and enables seamless, low-friction authentication experiences. Modirum is a global technology leader delivering innovative digital solutions and services across diverse industries leading provider. Modirum’s 3-D Secure software was acquired by Entersekt. The 3DS solutions help FIs deliver modern e-commerce transactions that balance security and a seamless customer experience.
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