Bank-grade payment and ATO fraud prevention solutions for online merchants

As online shopping volumes surge and AI-enhanced fraud tactics become far more sophisticated, merchants need stronger, smarter protection than traditional fraud prevention tools provide. The line between security and seamless customer experience has never been thinner — and only bank-grade authentication can strike the right balance.

Today’s merchants face an unprecedented wave of fraud. The rise of sophisticated, automated, and AI-powered attacks means that bad actors can bypass traditional security methods with ease.

For merchants, this creates a difficult balancing act: how do you protect your business from evolving threats without introducing friction that frustrates legitimate customers and leads to lost sales?

The challenges for merchants are clear:

• Sophisticated and automated threats: Fraudsters are no longer relying on simple schemes. They’re now using bots to create fake accounts, A/B testing to optimize scams, and AI to exploit vulnerabilities and execute complex, convincing social engineering and phishing attacks. This makes it increasingly difficult to differentiate between a legitimate customer and a fraudster.
• The rise of account takeover (ATO) fraud: This growing threat occurs when a fraudster gains control of an existing customer account. Since the account has a history of legitimate transactions, these attacks are often hard to detect, causing significant financial loss and damage to customer trust.
• The cost of chargebacks: Chargebacks are a major burden for merchants. A significant portion of these are "friendly fraud," where a customer disputes a valid charge. This not only results in lost revenue and chargeback fees but can also lead to higher processing costs and harm a merchant's reputation with credit card processors.
• The friction dilemma: While security is critical, excessive friction during the checkout or account opening process can lead to cart abandonment. Merchants need a solution that protects them from fraud while maintaining a seamless, user experience.

Entersekt’s authentication and fraud prevention platform empowers merchants to combat fraud and account takeovers from the first point of contact—account opening—through every subsequent transaction, login or high-risk interaction. Our solution collects and analyzes more signals in real time, providing an invisible layer of security that operates in the background, verifying users and transactions without interrupting the user experience.

By combining powerful multi-layered security, including behavioral analytics and fraud signals, supported by strong authentication when needed, Entersekt can help merchants:

• Secure account and loyalty program access: Instantly verify account and loyalty program access and prevent fraudulent account creation by analyzing a wide range of data points, ensuring only legitimate customers gain access.
• Frictionless customer confirmation: Using patented technology, consistently and accurately validate the authenticity of a returning user while ensuring a frictionless user experience.
• Eliminate account takeovers: Continuously monitor user behavior and device integrity to detect and challenge or block suspicious login attempts or unauthorized changes. If a user is performing a high-risk action, merchants can step up authentication with an invisible challenge that requires no action from the user.
• Reduce chargebacks and fraud: Accurately distinguish fraudulent from genuine transactions, minimizing false declines and preventing costly chargebacks before they occur.

With Entersekt, you no longer need to choose between fighting fraud and delivering a great customer experience. Our solution delivers clear, measurable benefits that protect your business and enhance customer trust:

• Reduced account takeover fraud and chargebacks: Proactively stop fraudsters and prevent financial losses.
• Enhanced customer experience: Ensure a frictionless journey for legitimate customers, leading to higher conversion rates and reduced cart abandonment.
• Improved authentication and fraud prevention rates: Boost the confidence of your customers and payment partners with an authentication system that is both highly secure and highly effective.
• Increased customer trust: Provide a secure and reliable platform that boosts customers’ confidence in every interaction, from the first purchase to their ongoing relationship with your brand.

Modern payment fraud demands modern defenses. With bank-grade authentication designed for merchants, businesses can stop account takeovers and payment fraud in real time — without slowing down legitimate customers.