Merchants, acquirers, and PSPs

Approved transactions are the goal. Turn more checkouts into completed payments

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.

Merchants, acquirers, and PSPs

Relied on from both sides of the payment transaction

Improving outcomes, from data to decision

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Approvals

Better data drives better decisions

Fewer

Drop-offs

Less friction at checkout keeps customers moving

Lower

Costs

Optimized routing and processing save time and money

You initiate the transaction. The issuer decides the outcome

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.

Pain point

Issuers lack context to approve

Minimal data in authentication requests leads to unnecessary declines and lost revenue.

Pain point

Friction costs loyalty and revenue

Rigid authentication slows transactions, frustrates users, and disrupts high-value corporate workflows.

Pain point

Security is fragmented across channels

Siloed systems for digital banking, payments, and support channels create dangerous blind spots for fraudsters to exploit.

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Driving intelligent authorization decisions with 3-D Secure

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

Influence approvals before the authorization decision

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.

Authentication

Authentication

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. 

Learn more
3-D Secure

3-D Secure

Transform 3DS into a high-value data channel that simultaneously protects cardholders, improves issuer decisions, increases approvals, raises transaction success rates, and boosts revenue.  

Learn more
Risk intelligence

Risk intelligence

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.  

Learn more
Authentication

Authentication

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. 

Learn more
3-D Secure

3-D Secure

Transform 3DS into a high-value data channel that simultaneously protects cardholders, improves issuer decisions, increases approvals, raises transaction success rates, and boosts revenue.  

Learn more
Risk intelligence

Risk intelligence

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.  

Learn more

See how we deliver across the industries

From CNP fraud losses to total control, compliance, and cost savings

 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.

CASE STUDY

Every approval counts

Turn lost revenue into completed transactions

FAQs

Find quick answers to frequently asked questions about our solutions for merchants, acquirers, and PSPs. 

How does 3-D Secure increase approvals?
It provides issuers with richer data, improving risk assessment accuracy.
Will 3-D Secure add friction at checkout?
No. Most transactions remain frictionless when risk is low.
Can PSPs scale onboarding?
Yes. Automated onboarding supports large merchant portfolios.
Does Entersekt’s solution support domestic schemes?
Yes. Both global and domestic network routing are supported.