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A global leader in frictionless fraud prevention using industry-standard 3D Secure authentication, delivering real-time, interoperable payment security to issuers, gateways, acquirers, and merchants across the globe.

A global leader in frictionless fraud prevention using industry-standard 3D Secure authentication, delivering real-time, interoperable payment security to issuers, gateways, acquirers, and merchants across the globe.


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Our hosted and on-premise 3DS Server and Access Control Server platforms provide flexible deployment options, frictionless user experiences, and regulatory compliance (such as PSD2 and SCA). Our 3D Secure testing solution offers a realistic end-to-end testing environment with all live 3DS components - ideal for integration and compliance assurance.
We serve a diverse clientele - including issuers, acquirers, PSPs, e-commerce and m-commerce merchants, spanning over 30 countries and many of the world’s largest international corporations.
Backed by continuous innovation and transparent, trusted service, GPayments helps clients reduce fraud-related costs, minimize chargebacks, and enhance customer experience while meeting compliance and security mandates.
Founded in 1999 and headquartered in Sydney, GPayments is an Australian-based fintech innovator specialising in payment fraud prevention and authenticatio. We pioneered 3D Secure solutions to a global client base. Over the years, GPayments has achieved key certification milestones, such as EMV 3DS v2.1 / v2.2 / v2.3.1 compliance, PCI DSS and PCI-3DS compliance and certifications across global and domestic card schemes. Our flagship solutions, ActiveServer (3DS Server), ActiveAccess (Access Control Server) and TestLabs testing suite, offer a complete, enterprise-grade ecosystem for secure, compliant payment authentication. We serve key industries including banking, online shopping, travel, payment processing, and “Buy Now, Pay Later” services. GPayments upholds trust through transparent communication, ethical practices and a client-centric approach. We prioritise reducing fraud costs, improving transaction success rates and maintaining regulatory adherence, empowering businesses to secure payment experiences worldwide.
Discover GPayments's payment capabilities, market coverage, and supported currencies. Compare features and integrate through Apaya's no-code platform.
How to Integrate GPayments
- 1
Sign up for an Apaya account
Create your free Apaya account to access the payment orchestration platform.
- 2
Browse the Marketplace for GPayments
Find GPayments in the Apaya Marketplace and review its features and capabilities.
- 3
Click Add to Checkout on the GPayments page
Add GPayments to your checkout with a single click — no coding required.
- 4
Configure your GPayments settings
Set up your preferred payment options, currencies, and processing rules.
- 5
Go live and start accepting payments
Activate GPayments and begin processing transactions through Apaya.
Frequently Asked Questions
What payment methods does GPayments support?
GPayments supports the following payment methods: Mastercard, Visa, American Express.
What type of payment solution is GPayments?
GPayments is a Fraud & Identity solution, available through Apaya's no-code payment orchestration platform for businesses in the Middle East and Africa.

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