eCards Egypt
Upgrading 3D Secure system for eCards Egypt
Client profile
Originally established in 2009 as efinance’s card services line of business, with a successful track record of over 15 years and +50 million cards circulating in the market to date. eCards) was established as an independent subsidiary of eFinance Investment Group in 2020. eCards are Egypt’s governmental cards market leader providing End-to-End Integrated Solutions, being the leading personalization center in Africa with manufacturing, personalization, management, and processing of millions of transactions yearly for Meeza, VISA, and Mastercard.
Project objectives
In early 2023, eCards were planning an upgrade of their 3D Secure infrastructure to the latest version of EMVCo. standard, supporting RBA and frictionless authentication principles. Livord was chosen by eCards as a reputable partner with solid operational history, EMVCo. certified acquiring 3D Secure components and experience in implementing 3D Secure projects in the past.
Offered solution
We offered our standard EMV ACS component, which is part of our 3D Secure Platform. EMV ACS is an EMVCo. certified 3D Secure version 2 issuing-side component, incorporating all of the RBA features of the 2-nd 3D Secure version – RBA engine, processing more than 100 different transaction parameters to determine if an authentication challenge for a particular transaction is required, configurable authentication screens that can be customized to each organization’s branding requirements, and other features.
EMV ACS uses standardized interfaces for integrating with Directory Servers and acquiring-side 3D Secure components in the 3D Secure ecosystem. Within this project, Livord supplied 3D Secure Platform core module with 3DS Server component and plugins for native integration of 3D Secure authentication requests into merchants’ websites. 3D Secure Platform was provided as a SaaS solution and it allowed eCards to launch the solution quickly, and upscale it later as necessary, without incurring huge upfront CAPEX costs.
Livord team also supported eCards throughout project end-to-end certification in payment networks and during integration and testing with merchants.
Project results
eCards was able to successfully migrate from a legacy 3D Secure version 1 to the latest version 2 standard, introducing frictionless authentication scenarios to a large number of clients and improving the overall quality of services provided to the cardholders that are using eCards services.