Processing
Approve the right transactions, in real time.
Authenticate and authorize every transaction as it happens — with 3-D Secure, your own rules and real-time risk checks before a single dinar moves.
Teams building on Gate to Pay
- Samsung
- Orange Money
- JFS
- Altibbi
- NatHealth
Overview
Authentication verifies who is paying; authorization decides whether a transaction is approved — both in real time, at the moment of the transaction.
Every card and account transaction is authenticated with 3-D Secure and checked against your limits, rules and risk signals before it is approved or declined — on Gate to Pay’s CBJ-licensed, PCI DSS infrastructure.
Why teams trust our authorization.
Real-time decisions
Authorize or decline every transaction the instant it happens.
3-D Secure built in
Strong customer authentication protects cardholders and reduces fraud.
Your rules
Approve against limits, merchant categories, geography and velocity rules you define.
Risk checks
Real-time risk signals score every transaction before it is approved.
Capabilities
Everything you need to authorize with confidence.
Real-time authorization
Every transaction is checked against your rules, limits and risk signals and approved or declined in real time — with a full decision trail.
- Approve / decline in real time
- Rules, limits & velocity
- Full decision trail
3-D Secure authentication
Authenticate cardholders with 3-D Secure step-up when needed, balancing security and a smooth checkout.
- 3-D Secure 2
- Risk-based step-up
- Lower fraud & chargebacks
Rules & risk controls
Define the limits, merchant-category and velocity rules that decide approvals, and adjust them any time.
- Limits & category rules
- Velocity & geo controls
- Instant updates
How it works.
Set your rules
Define limits, categories, velocity and risk thresholds.
Authenticate
Cardholders are verified with 3-D Secure when needed.
Authorize
Each transaction is approved or declined in real time.
Developers
Built for developers.
Receive authorization webhooks and decide in real time, or let our rules engine decide — sandbox credentials, SDKs and webhooks.
POST /v1/authorizations/{id}/decision · { "approved": true }Frequently asked.
What’s the difference between authentication and authorization?
Authentication verifies the cardholder’s identity (e.g. via 3-D Secure); authorization decides whether the transaction is approved against your rules and risk checks. Both happen in real time.
Can I define my own approval rules?
Yes. Set limits, merchant-category, velocity and geography rules — and receive authorization webhooks to make custom decisions in your own systems.
Do you support 3-D Secure?
Yes — 3-D Secure 2 with risk-based step-up, so genuine customers pass smoothly while risky transactions are challenged.
Is there a record of every decision?
Yes. Every authorization keeps a full decision trail for monitoring, disputes and audit.
Let’s tune your authorization.
A discovery session with our team. No commitment.