About us

Testing Services and Turnkey Tools that Make Payment + Authentication Easier, Faster, and More Successful

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Payment Simulator

An end-to-end payment testing service which allows (1) product developers to continuous test and prototype, (2) sales to demo, and (3) payment service providers to test their implementation of a 3rd party product.

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3-D Secure SDKs

Brandable EMV 3DS certified SDKs which - when added to your 3DS Server - offer a complete checkout experience for web, iOS, and Android transactions. SDKs use 3DS v2.3 Split SDK design to make merchant easier and faster.

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AI Cybersecurity Patents

Before specializing in online payment security, mSIGNIA widely patented an AI-enabled Digital Biometric. These patents are now available for license and sale.

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All about us

Our Background

mSIGNIA is privately and strategically held with 3 of the top 4 investors being large, international financial institutions.  Nearly half of mSIGNIA’s investors have invested multiple times in the company.

mSIGNIA is a test and software tools provider to the entire online payment ecosystem, including EMV 3DS product vendors, merchants, payment service providers, acquirers, payment networks, issuers, delegated authenticators, FIDO reliant parties, and risk scoring engines.

Our Approach

An Innovation Arc for Touch2Pay

mSIGNIA’s products – developed in Europe and the US – enable compliance with EMV 3DS, PSD2 SCA, W3C, and FIDO passkeys.  When we began our product innovation, we were often asked about the relationship between these payment and identity standards, future standards like EMV’s Secure Remote Commerce (SRC) and W3C’s Secure Payment Confirmation (SPC), and the importance of privacy.

We have defined an ‘Innovation Arc’ (shown below) to strategically align various payment, identity, and privacy roadmaps; ultimately yielding the unified concept of Touch2Pay.

Touch2Pay Strategy

Password protected payments are unsafe and introduce friction which increases cart abandonment. The risk of compromised passwords dramatically increases as AI is used to better phish unsuspecting users into yielding their passwords.

Mastercard and Visa are already messaging on the benefits of biometric checkout... what mSIGNIA calls Touch2Pay, our play on Tap2Pay.

Already, EMVCo, FIDO, and W3C are jointly working to align payment and authentication efforts to enable biometric passkey authentication as part of a frictionless MFA checkout over (first) EMV 3DS rails and then W3C's Secure Payment Confirmation.

mSIGNIA's 3DS SDKs - enhanced with SmartLink capabilities - represent one of the largest client installations capable of becoming managed MFA Clients.

Consumers want and need to understand how biometric privacy will be maintained. While passkey privacy is well-vetted by experts, consumers want to experience fast, easy and safe Touch2Pay checkout.

mSIGNIA's Payment Simulator, already in use to validate 3DS and prototype passkey checkout, can be made available regionally so consumers can explore, understand, and experience Touch2Pay with their national banks, payment networks, and merchant payment services.

mSIGNIA is proud to be a leader in enabling the adoption of these global standards.

Our Headquarters

If you are ever in the Southern California area, please contact us for a meeting.

Our Address

9891 Irvine Center Drive, Suite 200, Irvine, CA 92618-4320

Contact info

Email: info@msignia.com

Phone: +1-949-527-9533

Our Tagline and Mission

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mSIGNIA's tagline, 'Solid Ground for a Cyber World', is all about our mission to provide a safe, stable, reliable, foundation on which we, our partners, and their customers can be successful.

The ancient definition of the term "signia" is the ground beneath your feet. In 495 BC, ancient Rome founded the colony of Signia which a struck a silver coin, called a Signia, featuring Hermes, the messenger of the gods, wearing a winged helmet.

Signia CoinThe term drives mSIGNIA's innovation in several ways

  • As the digital world moves to the cloud, a user's identity will be the only data remaining with the user. Such data identifies and authenticates the user to the cloud. It cannot be stored in the cloud; it must be sourced from the user and their device-in-hand. mSIGNIA's SmartLink Split SDK Client is the digital embodiment of solid ground in a cyber world.

  • Just as Hermes was the messenger between people of the earth and the ancient gods in the clouds, mSIGNIA's SDK Server is the messenger between users (where the Split SDK Client operates) and cloud services. mSIGNIA's Split SDK architecture manages the chaos of the client, making it easier for cloud services to thrive.

  • When you are building something great, you build it on solid ground. mSIGNIA's testing and tools products offer the same reliability which enables our partners to build their amazing services which make payments safe and easy.

Want to see how our products can help you be more successful?

Schedule a Demo