3DS is an authorization tool. Most of the industry just doesn't know it yet
The payments industry built EMV 3DS to prevent fraud. It succeeded, and in doing so, created a data-sharing channel capable of solving an even larger commercial problem.
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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A different approach to digital banking and payment authentication
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Swisscard replaces OTPs to authenticate online payments
Merchants, acquirers, and PSPs
You don’t control the approval decision—but you can influence it. Send richer data, improve issuer decisions, and reduce false declines thanks to better CX at checkout.
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Better data drives better decisions
Fewer
Less friction at checkout keeps customers moving
Lower
Optimized routing and processing save time and money
Lost revenue often comes down to missing context. When issuers don’t have enough data, they decline legitimate transactions. The solution isn’t more control—it’s better data flowing through the system.
Minimal data in authentication requests leads to unnecessary declines and lost revenue.
Populate full 3DS data fields to improve issuer risk decisions and increase approvals.
Rigid authentication slows transactions, frustrates users, and disrupts high-value corporate workflows.
Trigger step-up authentication dynamically, keeping low-risk journeys fast and seamless.
Siloed systems for digital banking, payments, and support channels create dangerous blind spots for fraudsters to exploit.
Share intelligence across channels in real time to close gaps, strengthen decisions, and improve outcomes.
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A persistent but unhelpful industry framing positions merchants and issuers as adversaries: one side pushing for higher approval rates, the other tightening the screws on fraud. In reality, they share a mutual consumer and commercial goal: maximizing approval rates while minimizing fraud exposure.
Better data. Better outcomes
The difference between approval and decline often comes down to what the issuer knows. By improving the quality and flow of authentication data, you directly impact transaction success rates.
Reduce poor experiences that lead to checkout abandonment with adaptive, risk-based authentication. Challenge with low-friction step-up only when risk demands. Good, legitimate transactions flow freely.
Transform 3DS into a high-value data channel that simultaneously protects cardholders, improves issuer decisions, increases approvals, raises transaction success rates, and boosts revenue.
Enrich transactions with additional device, behavioral and data signals to give issuers a clearer picture of risk and intent. With more signals, and more information, the chance of transaction failures drops significantly.
Reduce poor experiences that lead to checkout abandonment with adaptive, risk-based authentication. Challenge with low-friction step-up only when risk demands. Good, legitimate transactions flow freely.
Transform 3DS into a high-value data channel that simultaneously protects cardholders, improves issuer decisions, increases approvals, raises transaction success rates, and boosts revenue.
Enrich transactions with additional device, behavioral and data signals to give issuers a clearer picture of risk and intent. With more signals, and more information, the chance of transaction failures drops significantly.
Centennial Bank, a retail bank deeply committed to securing its cardholders, faced escalating card-not-present losses due to an ineffective 3-D Secure solution. Learn how partnering with Entersekt and Mastercard resulted in a 30% reduction in fraud losses, improvements in transaction approval rates, and stronger compliance.
Every approval counts
Find quick answers to frequently asked questions about our solutions for merchants, acquirers, and PSPs.