Adaptive Payments' Card-Not-Present
PIN Debit Authentication

Adaptive Payments is the provider of the first PIN authentication platform for debit transactions - capable of processing in an online, or card-not-present, environment. Their exclusive, patent-pending solutions leverage existing telecommunication and payment infrastructure to deliver 5-factor authentication from two input devices.

5DSecure - Secure Card-Not-Present PIN Debit

Adaptive’s unique 5DSecure five-factor authentication service dramatically enhances payment security and consumer confidence at checkout by separating sales and customer data entered online from PIN and/or other authentication data acquired through the customer’s mobile or land line phone – allowing software companies who need to support payment processing to offer secure, more cost effective, PIN Debit payment options for card-not-present transactions.

Using a secure IVR, Adaptive prompts for PIN entry via phone. Transactions are secured by the customer’s PIN and are NEVER at risk of spyware or malware on the PC - securing the PIN and reducing the risk of fraud and associated costs to consumers, retailers and financial institutions.

Save the Sale Real-Time Fraud Prevention

Adaptive's Save the Sale service introduces an alternative payment method to high-risk customers by identifying pre-authorization risks that might prevent a successful credit card authorization and presenting a debit card transaction option at the point of sale - reducing risk and the cost of authorization and associated transaction fees.

Easily incorporate Adaptive's unique authentication features with your integration through the developer center as a value-added service for your payment application using Commerce Lab's open APIs.

IP Commerce and Adaptive Payments - What You Get

Using  the IP Commerce Platform to integrate with Adaptive services will speed up integration time from months to weeks and can take away much of the complexity of card payments processing with a full suite of developer-centric resources, which includes the following:

• Complete Application Dev toolkit
• Project Wizard
• Free APIs
• Sample code
• Sample applications
• Testing Sandbox
• On-Demand Support

Let's Get Started
Launch Our Easy Project Wizard Through a step-by-step Q&A, this no-cost Wizard will quickly help you configure a customized Adaptive™ integration solution for your project. So, what are you waiting for? Let’s get started…