{"id":20678,"date":"2025-02-19T15:17:15","date_gmt":"2025-02-19T09:47:15","guid":{"rendered":"https:\/\/razorpay.com\/blog\/?p=20678"},"modified":"2025-09-19T14:52:56","modified_gmt":"2025-09-19T09:22:56","slug":"razorpay-acs-risk-engine-achieving-up-to-95-authentication-success-while-minimizing-fraud","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/razorpay-acs-risk-engine-achieving-up-to-95-authentication-success-while-minimizing-fraud\/","title":{"rendered":"Razorpay ACS & Risk Engine: Achieving Up to 95% Authentication Success While Minimizing Fraud"},"content":{"rendered":"

At Razorpay, the metric that we obsess most over is payment Success Rate for our businesses even though it involves solving some of the hardest problems in the foundational payments infrastructure. <\/span>Pushing forward our commitment to offer industry best cards SR, we are excited to announce Razorpay ACS and Risk Engine Suite<\/strong>, a new-age card processing platform for banks that increases authentication success rates to ~95%, enables up to 99.99% uptime and supports the new-age authentication methods such as biometric authentication.\u00a0<\/span><\/p>\n

Our Risk Engine enables Risk based authentication<\/a> by detecting suspicious transaction markers based on comprehensive customer, merchant and device parameters, ensuring that banks customers are safe from fraudulent payments.<\/span><\/p>\n

With Razorpay ACS, Razorpay will bring businesses and banks closer, streamlining the hops that a card payment has to go through and enabling us to hyper optimize the SR for businesses and banks as well as reduce fraud with end-to-end visibility of the payment. It really is the best of both worlds.<\/span><\/p>\n

Let’s dive into the payment challenges from the perspectives of banks, businesses, and customers, and uncover the solutions that address them.<\/p>\n

The Card Payment Challenge: Balancing Success and Security<\/b><\/p>\n

While card reward programs make them attractive for larger transactions, the complex journey of a card payment through multiple systems can lead to friction. OTP failures, page timeouts, and other authentication issues contribute to a staggering 80% of card payment failures in India. This not only impacts revenue but also damages customer trust. Furthermore, the rise in online fraud necessitates a robust security framework to protect businesses and customers.<\/span><\/p>\n

Razorpay ACS & Risk Engine: A Comprehensive Solution<\/b><\/p>\n

Razorpay understands the critical need for high payment success rates and robust fraud prevention. Our ACS and Risk Engine suite is a cutting-edge card processing platform designed to address these challenges, offering banks and businesses a powerful combination of enhanced authentication and intelligent risk management.<\/span><\/p>\n

Razorpay ACS: Streamlining Authentication for Higher Success<\/b><\/p>\n

Razorpay ACS acts as a new-age card processing platform that streamlines the authentication process, minimizing friction and maximizing success rates. Here’s how it empowers businesses:<\/span><\/p>\n