Ferrous Pay
Full-stack acquiring with network tokens and 3DS2 on by default.
- Headquarters
- London, UK
- Founded
- 2012
- Team size
- 1,001-5,000
- Regions
- UK, Europe, North America
About
Ferrous Pay is a direct acquirer and gateway serving enterprise merchants in Europe and North America. Card-not-present transactions are provisioned as network tokens wherever the issuer supports them, and the platform keeps tokens current through lifecycle events so a reissued card does not break a subscription.
Its authentication layer runs EMV 3DS 2.x with a risk-based exemption engine: low-value and transaction-risk-analysis exemptions are requested only when Ferrous's own fraud rate for the merchant sits within the regulatory thresholds, and the engine falls back to a challenge flow when an issuer soft-declines for SCA.
Merchants get authorization-rate reporting broken down by issuer BIN, token versus PAN, and exemption type, which makes it practical to see where approval rates are being lost.
Products & capabilities
- Acquiring
- Network Tokenization
- 3DS2 Exemption Engine
- Authorization Analytics
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