Multi-Scheme Support
- One Platform.
- Every Major Scheme.
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Schedule a demo to explore how our solutions can streamline your payment processes.
- Live updates
- Advanced risk analytics
- Full SCA compliance
Multi-Scheme Support One platform. Every major scheme.Merchant Simulator Test safely. Launch confidently.Command & Control Granular delegation. Total oversight.Experiment & Test Smarter changes. Safer decisions.Advanced Reporting Real-time clarity. Compliance without the scramble.Transformational Troubleshooting Total visibility. Zero guesswork. -
Book demo
Schedule a demo to explore how our solutions can streamline your payment processes.
- Live updates
- Advanced risk analytics
- Full SCA compliance
3DS ACS for Issuers & BaaS Platforms Secure, frictionless cardholder verification.3DS ACS for Traditional Banks Secure, frictionless cardholder verification.3DS ACS for Fintechs & Neobanks Secure, frictionless cardholder verification.3DS Server (MPI) for Acquiring Banks Secure, frictionless cardholder verification.3DS Server (MPI) for Single Merchants Secure, frictionless cardholder verification. -
Book demo
Schedule a demo to explore how our solutions can streamline your payment processes.
- Live updates
- Advanced risk analytics
- Full SCA compliance
- Developers
One platform. Every major scheme.
Coverage That Keeps You Competitive
Supporting all four major schemes - Visa, Mastercard, Amex and Discover - as well as regional ones.
Future-Proofed by Design
The payments ecosystem keeps expanding, and your infrastructure shouldn’t lag behind.
Built for Scale, Not Silos
Our architecture supports all schemes natively from a single interface.
Coverage That Keeps You Competitive
Supporting all four major schemes - Visa, Mastercard, Amex, and Discover - means you’re never leaving volume on the table. Your 3DS Provider should empower you to serve every transaction, not just the easy ones.
Whether you're entering new markets or serving diverse customer portfolios, full scheme coverage is no longer optional. We make it standard - so you never lose an authentication opportunity to a missing integration.
Future-Proofed by Design
The payments ecosystem keeps expanding, and your infrastructure shouldn’t lag behind. We’ve built our platform to onboard new schemes fast - with live support typically delivered in under 30 days.
No long waits. No vendor roadmaps you can’t influence. If a new scheme matters to your business, we’ll make it work - quickly and seamlessly.
Built for Scale, Not Silos
With Apata, multi-scheme doesn’t mean multi-systems. Our architecture supports all schemes natively from a single interface - with unified policy management, reporting, and branding.
That means fewer edge cases, simpler training, and cleaner operations. Because the more schemes you support, the more you’ll appreciate doing it all in one place.
Discover the Future of Payment Authentication
Let us show you what you’ve been missing out on and how quickly you can move to a vendor that you can actually rely on.
Book demoCompliance you can trust