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Digital account authentication
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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

Discover the Entersekt difference: built into the platform and the partnership to be context-aware, market-focused, and close to customers.

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Why Entersekt
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A different approach to digital banking and payment authentication

Whether you’re shaping strategy, evaluating solutions, or staying ahead of emerging threats, this is where you'll find perspectives grounded in industry experience and focused on what works in practice.

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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
Swisscard logo

Swisscard replaces OTPs to authenticate online payments
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Issuing banks and payment processors

Stronger authentication, more approvals, less fraud

Every transaction runs through your decision point. Every decision shapes customer trust. False declines cost revenue. Weak authentication invites fraud. Replace static controls with adaptive, real-time decisioning that protects customers without slowing them down.

Improve decisioning
Issuing banks and payment processors

For issuers managing high-volume, high-risk transaction portfolios

Proven across global payment ecosystems

Columbia bank logo
Swedbank logo
Capitec logo
Fisrt Financial Bank logo
Mastercard logo
Merrick Bank logo

70%

 Less CNP fraud

 In the first month of deploying our ACS  

150%

Higher conversion rate

With targeted false decline resolution

$120k

Saved per client over 4 months

When replacing OTPs with advanced authentication

Better decisions start with better understanding of risk and intent

Issuers sit at the most critical point in the transaction flow. Every approval, challenge, or decline impacts revenue, fraud losses, and customer trust. Static rules and siloed signals can’t keep up. Decisioning needs to be adaptive, real-time, and informed by every available signal.

Pain point

False declines erode revenue and loyalty

Legitimate transactions are blocked due to incomplete data or overly cautious risk models, damaging customer trust.  

Pain point

OTPs create friction and weak security

SMS-based authentication is vulnerable to interception and frustrates customers with delays and errors.  

Pain point

Siloed systems miss critical signals

Fraud signals in digital banking, payments, and support channels are disconnected, creating exploitable gaps.  

White paper  

Shifting from a reactive to proactive defense

As payment scams become more sophisticated, particularly with AI for help, issuers must remain vigilant, keeping pace with advances in payment authentication, legislation, and standards like 3-D Secure. Get the insights you need to build trust amid evolving payment threats.  

Smarter decisions, in the moment

Combine authentication, payments data, and risk intelligence

Every signal matters. By bringing together authentication, 3DS data, and real-time risk intelligence, you gain a complete view of each transaction. The result: fewer false declines, lower fraud losses, and better customer experiences.

Authentication

Authentication

Move beyond OTPs with phishing-resistant authentication methods like biometrics, passkeys, and secure push. Give customers a faster, safer way to verify themselves.

Learn more
3-D Secure

3-D Secure

Leverage enriched authentication data to improve decisioning. Use 3DS as a high-value input into your approval strategy—not just a compliance requirement.

Learn more
Risk intelligence

Risk intelligence

Combine consortium, network, device, and behavioral signals into a single adaptive decision, enhancing existing fraud systems without replacing them.

Learn more
Authentication

Authentication

Move beyond OTPs with phishing-resistant authentication methods like biometrics, passkeys, and secure push. Give customers a faster, safer way to verify themselves.

Learn more
3-D Secure

3-D Secure

Leverage enriched authentication data to improve decisioning. Use 3DS as a high-value input into your approval strategy—not just a compliance requirement.

Learn more
Risk intelligence

Risk intelligence

Combine consortium, network, device, and behavioral signals into a single adaptive decision, enhancing existing fraud systems without replacing them.

Learn more

Security meets CX

Staying ahead of the fraud curve

Leading German card issuer qards (formerly PLUSCARD) reduced the customer gap between security and convenience, and brought e-commerce fraud to an all-time low.

CASE STUDY

PLUSCARD reduces online payment fraud with innovation and personalization

Read the case study
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“It makes sense to keep e-commerce shopping as frictionless as possible by ensuring it’s secure. We take that security as our duty.”
Petra Silsbee, Head of Fraud Prevention/Dispute Management at qards

Helpful resources

Every approval matters

Start making smarter decisions at scale

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FAQs

Find quick answers to frequently asked questions about our solutions for issuing banks and payment processors.

How can Entersekt’s solutions help issuing banks and payment processors?
Our 3DS ACS, supported by adaptive authentication and risk intelligence, reduces fraud, increases transaction success, and optimizes CX. 
How does Entersekt’s 3DS solution reduce false declines?
By enriching decisions with more context, issuers can approve legitimate transactions with greater confidence.
Can Entersekt’s solutions replace OTP authentication?
Yes. Authentication methods like biometrics and passkeys, for example, are not only more user-friendly, but resistant to interception.
How can I improve customer experience?
By reducing unnecessary challenges and making authentication faster and simpler.