First Atlantic Commerce (FAC) is a PCI DSS Level 1 certified payment gateway and leading online payment solutions provider. Established in 1998, the Bermuda-based company provides merchants with global credit and debit card processing solutions. FAC specializes in the Caribbean and Central America. FAC's international merchant account solutions allow for direct relationships between clients and acquiring banks around the world, with secure, real-time processing through FAC's payment gateway. FAC specializes in the Caribbean market.The company also provide fraud risk mitigation services including 3-D Secure, North American AVS checks, and Kount risk scoring services .