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Digital account authentication
3-D Secure ACS 3-D Secure Server 3-D Secure Server Directory
Authentication Advisor
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Powering authentication, payments, and risk intelligence from a unified, context-aware foundation
Reduced cost of fraud Better customer experience Higher transaction success rates Operational cost savings Regulatory compliance
Digital banking and fraud prevention Passwordless authentication Call center authentication 3-D Secure payments
Retail and commercial banks Merchants, acquirers, and PSPs Issuing banks and payment processors Neobanks and fintechs Digital banking platforms Credit unions

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Why Entersekt
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A different approach to digital banking and payment authentication

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Featured content

Hand holding a credit card Payments

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

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Case study
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Swisscard replaces OTPs to authenticate online payments
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3-D Secure Directory Server

The trusted backbone of 3-D Secure routing

Reliable authentication starts with reliable orchestration. The 3-D Secure (3DS) Directory Server (DS) connects issuers, merchants, and schemes in real time, ensuring secure message routing, seamless interoperability, and compliant payment authentication at scale.

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3-D Secure Directory Server

Built for payment schemes that need scale, certainty, and control across the 3DS ecosystem

Certified routing. Flexible rules. Global reach.

2018

Since proven in production

Trusted in real-world payment environments for years

100M+

Cardholders supported worldwide

Serving hundreds of millions across global ecosystems

1st

Independent EMVCo-certified DS

A proven foundation trusted by schemes worldwide

Support and strength for every transaction

Deliver secure, compliant authentication routing without operational complexity

When routing fails, trust breaks down. A reliable Directory Server keeps 3DS ecosystems connected by validating, routing, and securing authentication messages across issuers, merchants, and schemes with speed and certainty.

Reduced cost of fraud Better customer experience Higher transaction success rates Operational cost savings Regulatory compliance

Stronger authentication orchestration reduces fraud exposure

Reduced cost of fraud
Fraud prevention depends on timely, accurate data exchange. By securely routing authentication requests and sharing risk-relevant information in real time, the Directory Server helps issuers make faster, smarter fraud decisions without disrupting legitimate transactions.
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Where resilient 3DS routing creates stronger payment ecosystems

From global scheme rollouts to issuer authentication reliability, the Directory Server supports the critical connections that make secure digital payments possible at scale, across regions, and without compromise.

 

Global scheme rollout

Global scheme rollout

Launch or expand EMV 3DS programs across markets with flexible support for multiple protocol versions and scheme-specific requirements.

Multi-member ecosystems

Multi-member ecosystems

Support diverse issuers, acquirers, and merchants under one compliant framework while maintaining consistency across regions and regulatory models.

Issuer routing reliability

Issuer routing reliability

Ensure authentication requests reach issuers accurately and in real time, improving fraud decisioning and reducing failed transaction flows.

Certification testing

Certification testing

Accelerate readiness with certified end-to-end testing environments that validate implementations before production deployment.

Connecting complex payment ecosystems with confidence and control

Payment schemes need more than basic routing. The Directory Server combines certified interoperability, flexible configuration, and scalable infrastructure to support secure authentication across evolving global payment networks.

Latest EMV support

Latest EMV support

Supports EMV 3DS 2.1, 2.2, and 2.3.1 for future-ready authentication flows.

Multi-scheme flexibility

Multi-scheme flexibility

Configure unique scheme rules across multiple programs on one platform.

Risk data sharing

Risk data sharing

Delivers critical risk insights to issuers in real time for smarter decisions.

Native certificate authority

Native certificate authority

Secures trusted communication between all participating 3DS endpoints.

Management console

Management console

Centralized web tools for configuration, oversight, and system control.

Audit logging

Audit logging

Granular logs and live metrics improve monitoring and fraud investigation.

Latest EMV support

Latest EMV support

Supports EMV 3DS 2.1, 2.2, and 2.3.1 for future-ready authentication flows.

Multi-scheme flexibility

Multi-scheme flexibility

Configure unique scheme rules across multiple programs on one platform.

Risk data sharing

Risk data sharing

Delivers critical risk insights to issuers in real time for smarter decisions.

Native certificate authority

Native certificate authority

Secures trusted communication between all participating 3DS endpoints.

Management console

Management console

Centralized web tools for configuration, oversight, and system control.

Audit logging

Audit logging

Granular logs and live metrics improve monitoring and fraud investigation.

Brochure

Not all Directory Servers are created equal

Explore how Entersekt’s 3DS Directory server offers faster time to market, reduced fraud exposure, greater control, improved transparency and audit readiness, and the most reliable end-to-end testing and certification.

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Speak to an expert

FAQs

Find quick answers to common questions about our 3DS Directory Server.

What does a 3-D Secure Directory Server do in the payment ecosystem?
It validates and routes authentication messages securely between 3DS Servers and issuer ACS platforms in real time.
Who is the Directory Server designed for?
It is built for payment schemes, networks, and organizations managing large-scale 3DS authentication ecosystems.
Can it support multiple payment schemes on one platform?
Yes. Multi-scheme support allows unique program rules across global and regional card networks.
How does it help with compliance?
It supports certified EMV 3DS standards and enables scheme-specific configuration to meet evolving regulatory requirements.

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