HiTRUST

What HiTRUST does

HiTRUST is a Taipei-headquartered payment security and authentication platform serving financial institutions, payment processors, e-commerce merchants, and digital wallet providers primarily across the Asia-Pacific region. Founded in 1999, the company built its early franchise on 3-D Secure (3DS) authentication technology for card-not-present (CNP) transactions, and has operated continuously for 25+ years as an EMVCo-certified vendor supporting all six major card schemes (Visa, Mastercard, Amex, UnionPay, JCB, Discover). Its product portfolio spans the full 3DS value chain — HiTRUSTacs (issuer-side Access Control Server), HiTRUST3DSsvr (merchant/acquirer-side 3DS Server), and HiTRUST3DSSDK (mobile integration) — complemented by Veri-id, an AI-powered fraud detection and risk-based authentication system with patented device fingerprinting across 100+ attributes, and Veri FIDO, a FIDO2-certified passwordless authentication service. Additional offerings include HiTRUSTpay (e-commerce payment gateway with Shopify integration), a digital loyalty platform, and DigiCert SSL certificates via Gold Partner resale.

The company operates both cloud (AWS, GCP) and on-premise deployment models, with seven regional offices across Taipei, Beijing, Hong Kong, Shanghai, Guangzhou, Singapore, and Hanoi. Its technology stack is anchored in EMV 3DS standards, public key cryptography for FIDO authentication, and AI/ML for risk scoring, with compliance certifications including PCI-DSS Level 1, PCI-3DS, FIDO2/UAF, and EMVCo Letters of Approval for its ACS and 3DS Server V3.0 products.

HiTRUST monetizes through a hybrid revenue model: recurring cloud subscriptions plus per-transaction fees for SaaS deployments (with disclosed pricing such as $0.6 per active user per year for Veri FIDO, minimum 1M users), one-time project licensing plus optional maintenance for on-premise deployments (its primary model with major Chinese state-owned banks including ICBC, CCB, ABC, BOC, and Postal Savings Bank of China), transaction-based fees for the HiTRUSTpay payment gateway, and reseller margins on DigiCert SSL certificates. Go-to-market combines enterprise field sales for large bank deployments, API-first self-serve for mid-market cloud adoption, and channel partnerships (Shopify, card schemes) for SMB and global merchant reach. The company claims 20,000+ customers globally and 300+ technical experts, with over 80% of headcount described as skilled industry technicians.

Name

HiTRUST

Legal name

HiTRUST

Website

https://hitrust.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

101–250 employees

Short description

HiTRUST is a Taipei-based payment security and authentication platform providing EMVCo-certified 3-D Secure, AI-powered fraud detection, FIDO2 passwordless authentication, and payment gateway services to banks, payment processors, and merchants across Asia-Pacific.

Ownership category

akta.pro rank

Product category

Payment Security Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Systems Design and Related Services (54151)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

3D Secure, Authentication & Access Control (FSAMALAD)

akta.pro secondary industry

Authentication (MFA/Passwordless/Biometrics) Platforms (BPAMAEAE)

Keywords

• 3-D Secure authentication
• Payment fraud detection
• Passwordless authentication
• Payment gateway services
• Card-not-present security

Headquarters

HQ city

Taipei

HQ country

Taiwan

HQ region

Asia

Offices7 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Cloud Service Subscriptions: Annual/monthly subscription fees plus transaction fees for cloud-based 3-D Secure, ACS, Fraud Detection, and FIDO services deployed on AWS and GCP.
2. On-Premise Licensing: One-time project fees for on-premise deployment of 3DS solutions with optional ongoing maintenance and upgrade support.
3. Payment Gateway Services: Payment processing services for e-commerce merchants including Shopify integration, supporting multiple payment methods and currencies.
4. SSL Certificate Resale (DigiCert): Resale of DigiCert SSL certificates as a Gold Partner, including DV, OV, EV, and Wildcard certificates.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

HiTRUST provides EMVCo-certified 3-D Secure authentication, AI-powered fraud detection, FIDO2 passwordless authentication, and e-commerce payment gateway solutions for banks, card issuers, acquirers, merchants, e-wallets, and payment service providers. Core components include the HiTRUSTacs (Access Control Server) for issuers and HiTRUST3DSsvr (3DS Server) for merchants/acquirers, supplemented by the patented Veri-id fraud detection system and Veri FIDO passwordless authentication. Solutions are available via Cloud Service (SaaS on AWS/GCP) or On-Premise deployment.

Product overview

HiTRUST is a digital trust and payment security platform offering a comprehensive portfolio spanning 3-D Secure authentication, AI-powered fraud detection, passwordless authentication, and e-commerce payment solutions. The core product architecture centers on 3-D Secure (3DS) technology with two main components: HiTRUSTacs (Access Control Server for issuers) and HiTRUST3DSsvr (3DS Server for merchants/acquirers). These are complemented by Veri-id (AI fraud detection/risk-based authentication), Veri FIDO (FIDO2 passwordless authentication), and HiTRUSTpay (payment gateway). Solutions are available via Cloud Service (SaaS on AWS/GCP) or On-Premise deployment. The Vietnamese market is served under the HiFIDO brand for FIDO authentication. Additional offerings include loyalty services and DigiCert SSL certificates through partnership.

Differentiator

Problem solved

Functional benefit

Products and services

• 3-D Secure EMVCo-certified 3-D Secure authentication solution providing an additional security layer for card-not-present online transactions. Supports 3DS 1.0, 2.1, 2.2, and 2.3+ versions with frictionless and challenge authentication flows for card issuers, acquirers, and merchants.
• Veri-id Fraud Detection AI-powered fraud detection and risk management system combining real-time risk monitoring, machine learning analysis, and device fingerprinting (up to 100 device attributes) to detect and prevent fraudulent activities. Features patented self-learning AI models that generate customized risk-based authentication (RBA) models for issuers, acquirers, and merchants.
• Veri FIDO Passwordless Authentication Passwordless authentication solution based on FIDO2 and UAF Alliance standards, leveraging public key cryptography to secure logins and transactions. Supports biometric authentication, cross-platform compatibility, and phishing-resistant login and payment verification using device-bound credentials.
• HiTRUSTpay Payment Gateway Comprehensive e-commerce payment solution for online merchants supporting multiple payment methods including credit cards, debit cards, and mobile wallets (Apple Pay, Samsung Pay, Google Pay). PCI-DSS Level 1 certified with integrated 3-D Secure support and Shopify platform integration.
• ACS Cloud Cloud-native SaaS Access Control Server solution enabling issuers (banks and financial institutions) to securely authenticate cardholder transactions. Supports 3DS 2.1, 2.2, and 2.3+ with multiple authentication methods including OTP (SMS/Email) and in-app out-of-band authentication.
• 3DS Server Cloud Cloud-based 3D Secure Server solution for merchants, acquirers, and payment gateways enabling liability shift protection and fraud prevention. Supports 3D Secure 2.0+ with both redirect and non-redirect authentication flows.
• Fraud Detection Cloud Cloud-based fraud detection service combining real-time risk monitoring, AI-powered analysis, and device intelligence. Fully compatible with HiTRUST ACS to enhance 3DS authentication with fraud detection capabilities, capturing over 100 device attributes for fingerprinting and behavioral analysis.
• Cloud Veri FIDO Cloud-based passwordless authentication service delivering FIDO2-compliant phishing-resistant login and transaction verification. Supports biometric and hardware key authentication across platforms with no hardware requirements, priced per active user or per transaction.
• Loyalty Service Digital loyalty and rewards platform for online banking, credit card centers, merchants, and digital businesses. Enables customized loyalty programs with points tracking, intelligent analytics, and flexible redemption options to retain valuable customers.
• DigiCert SSL Certificates SSL digital certificate offerings resold through HiTRUST's DigiCert Gold Partnership, including DV SSL, OV SSL, EV SSL, and Wildcard SSL certificates for e-commerce businesses to enhance user trust and improve information security with near 100% browser compatibility.

Quantifiable outcome

• 54% more successful 3-D Secure transactions
• +3 more outcomes

Named customers14 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Partnerships

Twelve partnerships are on record, tiered core.

• ShopifycoreChannel Partner/ Reseller/ DistributorHiTRUSTpay is integrated with Shopify as a trusted payment technology platform, providing comprehensive e-commerce solutions for online merchants. This partnership enables HiTRUST to promote its payment solutions globally to Shopify merchants.
• DigiCertcoreChannel Partner/ Reseller/ DistributorLong-term DigiCert Gold Partner providing SSL certificate services (DV, OV, EV, Wildcard) to HiTRUST customers. HiTRUST offers top-level support in obtaining certifications with near 100% browser compatibility.
• Amazon Web Services (AWS)coreTechnology or IntegrationCloud infrastructure provider for HiTRUST cloud services in US and Singapore regions, enabling global deployment of 3DS, ACS, Fraud Detection, and FIDO solutions.
• Google Cloud Platform (GCP)coreTechnology or IntegrationCloud infrastructure provider for HiTRUST cloud services in Taiwan region, enabling secure and scalable deployment of authentication and fraud detection services.
• VisacoreTechnology or IntegrationCard scheme certification for 3-D Secure implementation, enabling HiTRUST to provide authentication services for Visa card transactions globally.
• MastercardcoreTechnology or IntegrationCard scheme certification for 3-D Secure implementation, enabling HiTRUST to provide authentication services for Mastercard transactions globally.
• American ExpresscoreTechnology or IntegrationCard scheme certification for 3-D Secure implementation supporting Amex card authentication.
• China UnionPaycoreTechnology or IntegrationCard scheme certification for 3-D Secure implementation supporting China UnionPay card transactions.
• JCBcoreTechnology or IntegrationCard scheme certification for 3-D Secure implementation supporting JCB card authentication.
• DiscovercoreTechnology or IntegrationCard scheme certification for 3-D Secure implementation supporting Discover card transactions.
• EMVCocoreStrategic or Co-development PartnerStandards body governing 3-D Secure specifications. HiTRUST is an EMVCo certified vendor supporting 3DS Server, ACS, RBA, and SDK solutions.
• FIDO AlliancecoreStrategic or Co-development PartnerIndustry consortium establishing FIDO authentication standards. HiTRUST is FIDO2 and UAF certified since 2021 for passwordless authentication solutions.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Adyen: Global payments platform that bundles 3-D Secure with merchant acquiring. HiTRUST's acquirer/merchant segment overlaps with Adyen's 3DS routing and authentication product line.
• RSA Security: Established authentication, fraud detection, and risk-based authentication platform with deep bank relationships. Overlaps HiTRUST in adaptive authentication, fraud risk scoring, and MFA but operates as a broad enterprise security portfolio rather than a payments-3DS specialist.
• Mastercard (Mastercard Identity Check): Card network offering Identity Check / 3DS as part of its core scheme. Overlaps with HiTRUST's 3DS product and exerts pricing pressure on independent 3DS vendors like Entersekt and HiTRUST.
• Visa (Visa Secure / 3DS): Card network that ships Visa Secure (EMV 3DS) to issuer and acquirer endpoints. Comparable to HiTRUST's 3DS Server and ACS offering but delivered as a network-embedded capability rather than a third-party service.
• Stripe (Stripe Identity / 3DS): Payments platform offering 3DS and identity verification APIs to merchants. Comparable to HiTRUST's HiTRUSTpay/Shopify channel and ACS offerings but embedded into Stripe Checkout rather than sold standalone.

Direct peers

• Signifyd: AI-driven e-commerce fraud detection and chargeback protection platform. Directly comparable to HiTRUST's Veri-id product line in target customer (online merchants) and approach (real-time risk scoring).
• Netcetera: Switzerland-based vendor of 3-D Secure, digital payments, and mobile authentication, with EMVCo and PCI certifications. Directly comparable to HiTRUST on certified 3DS infrastructure sold to banks and merchants.
• Entersekt: Specialist 3-D Secure and FIDO authentication provider for banks and card issuers. Closest comparable to HiTRUST in product scope (3DS server, ACS, FIDO), target customer (financial institutions), and go-to-market (certification-led, bank-by-bank integration).
• Sift: Digital trust and fraud-prevention suite serving e-commerce merchants and fintechs. Comparable to Veri-id in using machine learning over large transaction datasets to score payment and identity risk in real time.
• Kount (Equifax): AI-based fraud detection and risk scoring for digital payments and account creation. Closely comparable to Veri-id on device fingerprinting and risk-scoring for card-not-present transactions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@hitrustglobal
• LinkedInlinkedin.com/company/hitrust
• Instagraminstagram.com/hitrustglobal
• Facebookfacebook.com/100004364748179

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HiTRUST