GPayments
GPayments is a Sydney-based EMV 3D Secure payment authentication software provider serving acquirers, card issuers, payment processors, gateways, and merchants across 30+ countries with ActiveServer, ActiveAccess, ActiveSDK, and TestLabs products, certified across all major card schemes and PCI/ISO standards.
- Company typePrivate
- Founded1999
- HeadquartersChatswood, Australia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What GPayments does
GPayments Pty Ltd is an Australian-headquartered, privately held provider of EMV 3D Secure payment authentication software, founded in 1999 in Sydney and operating as a subsidiary of the Neurocom Group. The company sells to acquirers, payment processors, payment service providers, card issuers, gateways, and large merchants across 30+ countries, serving global customers such as Citi, Qatar National Bank, Erste Bank, Woodforest National Bank, ANA, Zalando, GMO Internet Group, NTT Data, NMI, Bambora, SecurePay, MarketPay, D8, and JCB International. Its core product suite comprises ActiveServer (3DS Server for acquirers and merchants), ActiveAccess (Access Control Server for issuers), ActiveSDK (mobile SDK for iOS/Android), ActiveMerchant (3DS1 MPI for backwards compatibility), and TestLabs (EMVCo-certified end-to-end testing platform), with a global service plan offering multi-instance geographic redundancy and 24/7 managed uptime.
The underlying technology is built on a cloud-native, Java-based microservices architecture, with the next-generation ActiveAccess released in March 2025 on pure Java with no external database dependencies, optimized for Java 21 LTS and non-blocking I/O. Products are certified across the major card schemes (Visa Secure, Mastercard Identity Check, JCB J/Secure, American Express SafeKey, UnionPay International 3-D Secure, Discover ProtectBuy, and Australian eftpos), along with PCI DSS Level 1 / v4.0, PCI 3DS, ISO 27001:2022, ISO 27701:2019, GDPR, and EMVCo approvals. Risk-based authentication evaluates 100+ structured data elements to enable frictionless approval on the majority of transactions.
Revenue is generated through three primary streams: subscription licensing (SaaS, dedicated/white-label, and on-premise perpetual license models billed monthly or multi-year), transaction-based pricing for 3DS authentication (especially in the SaaS deployment), and professional services for implementation, integration support, and certification testing. Go-to-market combines direct enterprise sales to banks, processors, and PSPs with a global distributor/reseller/integrator network and developer self-serve onboarding via RESTful APIs and TestLabs. The company operates offices in Sydney (headquarters) and Tokyo, with the Japanese entity providing Asia-Pacific coverage.
GPayments firmographics
Firmographics- Name
- GPayments
- Legal name
- GPayments Pty Ltd
- Website
- https://gpayments.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- GPayments is a Sydney-based EMV 3D Secure payment authentication software provider serving acquirers, card issuers, payment processors, gateways, and merchants across 30+ countries with ActiveServer, ActiveAccess, ActiveSDK, and TestLabs products, certified across all major card schemes and PCI/ISO standards.
- Ownership category
- akta.pro rank
GPayments industry classification
Industry- Product category
- Payment Authentication Software
- NAICS
- Software Publishers (5132), Computer Systems Design and Related Services (54151)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- 3-D Secure (3DS) & Authentication Services (FSAMACAD)
- akta.pro secondary industries
- 3D Secure, Authentication & Access Control (FSAMALAD), Risk, Fraud & 3DS Orchestration for Payments (FSAGABAL)
Keywords
Where GPayments is headquartered
LocationHeadquarters
- HQ city
- Chatswood
- HQ country
- Australia
- HQ region
- Oceania
Offices2 records
Markets served
GPayments business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Subscription Licensing: Flexible and competitive pricing with adaptable upgrade/downgrade policies. Multiple deployment models - SaaS (hosted), dedicated service, or on-premise installation.
- Transaction-based: Transaction-based pricing for 3DS authentication services, particularly in the SaaS deployment model.
- Professional Services: Technical support, implementation services, and training provided alongside core product deployment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | SaaS (Hosted Service) |
| Subscription | Monthly | Dedicated/White-Label Service |
| One time/ perpetual license | Multi-year contract | On-Premise |
| Subscription | Monthly | Testing (TestLabs) |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
GPayments product offering
Product offeringCore offering
GPayments develops and sells EMV 3D Secure (3DS) payment authentication software that helps acquirers, payment service providers, card issuers, and merchants prevent card-not-present fraud, eliminate chargebacks via liability shift, and comply with PSD2 SCA and similar regulations. Its core products are ActiveServer (3DS Server for acquirers/merchants), ActiveAccess (Access Control Server for issuers), ActiveSDK (Mobile SDK), ActiveMerchant (MPI for 3DS1), and TestLabs (end-to-end 3DS testing and certification platform), offered as SaaS, dedicated, or on-premise deployments.
Product overview
GPayments offers a comprehensive portfolio of 3D Secure authentication solutions comprising three core products: ActiveServer (3DS Server for acquirers/merchants), ActiveAccess (Access Control Server for issuers), and ActiveSDK (mobile SDK), complemented by ActiveMerchant (3DS1 MPI) and TestLabs (testing platform). The products work together to provide end-to-end authentication coverage - ActiveServer handles merchant-side authentication requests, ActiveAccess manages issuer-side authentication decisions, ActiveSDK enables mobile app integration, ActiveMerchant provides 3DS1 backwards compatibility, and TestLabs supports certification testing. All core products are EMVCo certified and support major card schemes including Visa, Mastercard, JCB, Amex, UnionPay, and Discover.
Differentiator
Problem solved
Functional benefit
Brands
- ActiveServer: 3D Secure Server (3DS2) solution for merchants and payment processors/acquirers to prevent card-not-present fraud and enable liability shift.
- ActiveAccess
- ActiveSDK
- ActiveMerchant
- ActiveCheckout
- TestLabs
- MemberCheck
- NameScan
Products and services
- ActiveServer (3DS Server) 3D Secure Server solution for acquirers, payment service providers, and merchants that enables EMV 3DS 2 authentication, supports frictionless flows, provides liability shift to reduce chargebacks and false declines, and supports Visa Secure, Mastercard Identity Check, JCB J/Secure, American Express SafeKey, UnionPay International 3-D Secure, and Discover ProtectBuy.
- ActiveServer SaaS Cloud-hosted enterprise-level 3DS Server deployment of ActiveServer on a world-leading cloud provider with secure multi-tenancy, managed services, system monitoring, high-availability database, and maintenance included; no installation required.
- ActiveAccess (Access Control Server / ACS) Access Control Server for card issuers, financial institutions, and payment processors that controls the cardholder authentication process for 3DS 1 and 2, supports flexible authentication channels, enhanced cardholder experience, risk-based authentication on 100+ data elements, frictionless vs. challenge flows, and PSD2 SCA compliance.
- ActiveSDK (Mobile SDK) Native Mobile SDK for iOS and Android that integrates 3D Secure authentication into merchant mobile applications, supporting multiple authentication methods for a secure and seamless in-app checkout experience.
- ActiveMerchant (MPI) Merchant Plug-In for 3D Secure 1.0 that enables merchants to obtain liability shift on 3DS1 transactions and includes a 3DS2 enrollment check API for backwards compatibility with existing 3DS1 systems.
- TestLabs End-to-end testing platform for 3DS implementations offering EMVCo-certified ACS, DS, Mobile SDK, and 3DS Server products for testing and certification, with customizable access packages for card-scheme certification testing.
Quantifiable outcome
- Over 90% frictionless transaction approval rate
- +3 more outcomes
Companies that use GPayments
Customer profileNamed customers25 records
Segments8 records
Ideal customer profiles4 records
GPayments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature7 records
GPayments partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- ApayacoreStrategic partnership between GPayments and Apaya, the Middle East and Africa's leading payment orchestration and FinTech company, to expand fraud prevention capabilities in the MENA region. Combined expertise in payment authentication and payment orchestration to address growing CNP fraud in the region.
- Visa InternationalcoreVisa International partner. GPayments was founding member of Visa's 3D Secure Forum in 2000. ActiveServer certified for Visa Secure. Products support Visa's authentication standards and protocols.
- Mastercard InternationalcoreMastercard partner since 2001. ActiveServer and ActiveAccess certified for Mastercard Identity Check. Collaborated on Secure Payment Application (SPA) protocol development. Provided global test environment for Mastercard SPA.
- JCB InternationalcoreJCB International partner. Products certified for JCB J/Secure authentication standard. ACS and MPI products compliant with JCB J/Secure since 2007.
- American ExpresscoreAmerican Express partner. Products certified for American Express SafeKey authentication standard.
- Neurocom GroupcoreParent company. Neurocom Group comprises four advanced technology companies in Australia including GPayments, Creative Digital Technology, MemberCheck, and NameScan.
- MemberCheckcoreSister company of GPayments providing AML/CTF compliance and KYC services. Joint marketing and integrated solutions for fraud prevention and risk management. Over 13 years of experience in risk management services.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
GPayments competitors and assessment
Company assessmentDirect peers
- CardinalCommerce (a Visa solution): CardinalCommerce is a foundational 3D Secure provider and was acquired by Visa in 2017. It offers Consumer Authentication (3DS Server/MPI) and Cardinal Cruise APIs serving issuers, acquirers, and merchants - a direct competing product line to GPayments' ActiveServer.
- Outseer (RSA): Outseer, spun out of RSA Security (Dell Technologies), provides 3D Secure solutions for issuers alongside a broader transaction fraud platform. Directly competes with GPayments in the issuer ACS market with EMVCo-certified products.
- Netcetera: Netcetera is a European-based 3D Secure specialist offering 3DS Server, Access Control Server, and In-App SDK products certified across major schemes. Directly comparable to GPayments in product scope and target customer segments (issuers, acquirers, PSPs).
- Verifi (a Visa solution): Verifi, acquired by Visa in 2019, provides chargeback management and dispute resolution that complements 3DS-driven liability shift. While not a direct 3DS Server, it is a scheme-aligned competitor addressing adjacent CNP fraud and chargeback reduction outcomes that GPayments also targets.
Broad incumbents
- Worldline: Worldline is a major European payment processor offering 3DS authentication as part of its broader acquiring, issuing, and merchant services portfolio. Overlaps with GPayments in 3DS Server and ACS offerings but at much larger scale and with bundled payment services.
- Thales: Thales provides 3DS authentication solutions alongside its broader digital security and HSM portfolio. GPayments is already a technology partner using Thales/SafeNet HSMs, but Thales also competes at the authentication-platform level with issuers and acquirers.
- ACI Worldwide: ACI Worldwide offers enterprise payment fraud management and 3DS Server capabilities as part of its broader real-time payments and fraud prevention portfolio. Competes with GPayments for issuer and acquirer authentication deployments at larger enterprise scale.
Emerging players
- Featurespace: Featurespace provides adaptive behavioral analytics for fraud and risk-based authentication in card payments, including 3DS-related risk decisioning. Partially overlaps with GPayments' RBA capabilities as an alternative path for issuers building 3DS flows.
- Spreedly: Spreedly provides payment orchestration and vaulting infrastructure with 3DS integration capabilities for merchants and PSPs. Addresses similar payment authentication workflows as GPayments but through an orchestration layer rather than direct 3DS Server/ACS deployment.
- Feedzai: Feedzai provides AI-native fraud and AML detection for transactions including 3DS-supported flows. Overlaps with GPayments' risk-based authentication value proposition in serving issuers and payment processors with fraud decisioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
GPayments social profiles
Digital presenceGPayments compliance and trust
Trust signalCompliance9 records
GPayments financial estimates
Financial estimateRevenue estimate
Valuation estimate
GPayments leadership team
Management profileNumber of profiles
Profiles2 records
GPayments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GPayments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GPayments
What does GPayments do?
GPayments develops and sells EMV 3D Secure (3DS) payment authentication software that helps acquirers, payment service providers, card issuers, and merchants prevent card-not-present fraud, eliminate chargebacks via liability shift, and comply with PSD2 SCA and similar regulations. Its core products are ActiveServer (3DS Server for acquirers/merchants), ActiveAccess (Access Control Server for issuers), ActiveSDK (Mobile SDK), ActiveMerchant (MPI for 3DS1), and TestLabs (end-to-end 3DS testing and certification platform), offered as SaaS, dedicated, or on-premise deployments.
Is GPayments a public or private company?
GPayments is a private company. It is classified as corporate owned and is currently operating.
When was GPayments founded?
GPayments was founded in 1999. It employs 11 to 50 people.
Where is GPayments based?
GPayments is headquartered in Chatswood, Australia, in the Oceania region.
How does GPayments make money?
Three revenue lines are on record. Subscription Licensing is the primary driver. The others are transaction-based and professional Services.
Who are GPayments's main competitors?
Direct peers on record are CardinalCommerce (a Visa solution), Outseer (RSA), Netcetera and Verifi (a Visa solution). Broad incumbents are Worldline, Thales and ACI Worldwide. Emerging players are Featurespace, Spreedly and Feedzai.
Does GPayments have an API?
Yes. GPayments offers a RESTful API for integration with existing payment infrastructure. The API enables merchants, payment service providers, and issuers to integrate 3DS Server (ActiveServer) and Access Control Server (ActiveAccess) capabilities. The documentation describes high-level authentication flows between domains as well as lower-level API integration details. Developer documentation is at gpayments.com/solutions/acquiring.
What industry is GPayments in?
GPayments's product category is Payment Authentication Software. Its primary akta.pro industry code is FSAMACAD, 3-D Secure (3DS) & Authentication Services, with a secondary code of FSAMALAD, 3D Secure, Authentication & Access Control. Its NAICS code is 5132 and its SIC code is 7372.