The Future of Optimized 3DS: RCI Codes, Method URL, and Arcot's Dynamically Smart Rules
Update: 2025-05-28
Description
The May podcast episode is now live! Tune in to hear James Jenkins, Global Head of Customer Development, and Matt Cooke, GM of Arcot discuss the latest in 3DS. This epidose focuses on how optimizing 3DS with RCI Codes and ACS routing allows issuers to receive richer data, leading to improved authentication and authorization outcomes like those from the Square | Arcot Case Study. The 3DS Method URL call plays a critical role in allowing merchants to share detailed device and browser data with issuers. Despite its simplicity to implement, many merchants aren't using it. Arcot is dynamically fine-tuning authentication decisions with real-time data via Arcot's Smart Ruleset. This innovation adapts to issuer performance, fraud signals, and merchant behavior to optimize each transaction -- balancing security with approval performance.
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