3-D Secure ACS

Stop CNP fraud without risking checkout failure

CNP fraud is predicted to reach ~$50 billion by 2030. Fraud is getting smarter. Customers, less patient. A modern 3-D Secure (3DS) strategy must stop fraud and protect conversion. Entersekt’s Access Control Server (ACS) lets you do both.

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Smarter risk decisions, fewer operational overheads

Static rules treat every transaction the same. Fraud doesn’t. By evaluating behavior, context, and history in real time, risk can be more accurately detected. That means fewer fraudulent transactions, fewer false declines, and less operational overhead investigating both.

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Modern authentication for seamless checkouts

Customers don’t think in channels, and neither should authentication. Low-risk transactions move through silently. Higher-risk interactions trigger intuitive, modern authentication methods customers trust, like biometrics. The result is security that feels seamless, not disruptive.

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Less friction, more approvals

Every unnecessary challenge risks losing the sale. An ACS that removes friction from legitimate transactions while applying precise step-up authentication only where needed means more approvals. Fewer abandoned carts. Stronger top-of-wallet positioning.

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Less hassle for risk, fraud and support teams

Fraud doesn’t just cost money. It consumes time. By reducing false declines and fraud incidents, you reduce inbound calls, manual reviews, and chargeback handling. A single, unified authentication approach also removes the need to manage multiple systems.

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Continuous compliance without complexity

Meeting global mandates shouldn’t slow innovation. With an ACS that aligns with EMVCo, PSD2 SCA, and major scheme requirements while adapting quickly to regulatory changes, you stay compliant, without adding friction to customers or operations.

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Reduce false declines

Legitimate customers shouldn’t be treated like fraudsters. By recognizing trusted behavior and context, unnecessary declines are reduced, while protecting revenue and customer trust at the same time.

Reduce checkout abandonment

Authentication shouldn’t be the reason a customer walks away from a purchase. Frictionless approvals and intuitive challenges keep checkouts moving so conversion rates stay high.

Prevent CNP fraud

Online payment fraud is faster and harder to detect. Using real-time data and adaptive authentication, unauthorized transactions are stopped—without disrupting legitimate ones.

Lower chargeback costs

Stronger authentication provides clearer proof of legitimate transactions. That means fewer disputes, faster resolution, and lower chargeback-related losses.

Risk-based authentication

Real-time risk assessment determines when to step up or stay silent.

Personalized journeys

Tailor authentication by card range, behavior, and context.

Flexible authentication options

Support biometrics, app-based approval, OTP, or your own provider.

Multi-tenant architecture

Manage multiple issuers with full data separation and control.

Robust reporting

Make insight-driven decisions and reduce effort to meet compliance

RealSync™ 

Eliminate delays and data gaps with live system integration.

Risk-based authentication

Real-time risk assessment determines when to step up or stay silent.

Personalized journeys

Tailor authentication by card range, behavior, and context.

Flexible authentication options

Support biometrics, app-based approval, OTP, or your own provider.

Multi-tenant architecture

Manage multiple issuers with full data separation and control.

Robust reporting

Make insight-driven decisions and reduce effort to meet compliance

RealSync™ 

Eliminate delays and data gaps with live system integration.

What makes Entersekt’s ACS different from traditional 3DS solutions?

It uses real-time, contextual risk decisions instead of static rules—reducing fraud and friction simultaneously.

Can issuers control how authentication is applied?

Yes. You can configure authentication methods, risk rules, and journeys at a granular level.

Does it integrate with existing fraud and risk systems?

Yes. The ACS integrates with third-party and in-house risk engines through a flexible architecture.

How does it support regulatory compliance?

It aligns with global standards like EMVCo and PSD2 SCA, while adapting quickly to new requirements.

Stop CNP fraud without risking checkout failure

A 3-D Secure ACS built for how issuers operate today

3-D Secure user experience in action

Reduction in fraud-related losses

Increase in authentication rates

Challenge success rate

Reduce fraud, protect revenue, and improve every payment experience

Smarter risk decisions, fewer operational overheads

Ready to take the next step in your 3-D Secure ACS journey?

Where smarter 3DS decisions make the biggest impact

Reduce false declines

Reduce checkout abandonment

Prevent CNP fraud

Lower chargeback costs

Built for control, flexibility, and real-time decisioning

Risk-based authentication

Personalized journeys

Flexible authentication options

Multi-tenant architecture

Robust reporting

RealSync™

Risk-based authentication

Personalized journeys

Flexible authentication options

Multi-tenant architecture

Robust reporting

RealSync™

Staying ahead of CNP fraud

Buyer’s Guide: The smarter 3-D Secure ACS

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FAQs

Helpful resources

3DS is an authorization tool. Most of the industry just doesn't know it yet

Tokenization and 3-D Secure: raising approval rates with better data

PSD3 news: What changes are expected for Strong Customer Authentication?

Preparing for PSD3: Managing increased liability with dynamic authentication

RealSync™ 

RealSync™ 