Higher transaction success rates

More approvals mean more money in the bank

Every false decline costs revenue. Over-challenging drives abandonment and merchant resistance. By assessing risk accurately, good transactions are treated as such, automatically increasing approval rates, deposits, and revenue.

Higher transaction success rates

54%

Higher conversion rates

For a leading South African retail bank

66%

Increase in transaction success rates

By replacing static approve-decline option

62%

Increase in authentication rate

With Entersekt's 3-D Secure ACS

Approve more legitimate transactions, silently

Legitimate transactions fail every day due to outdated authentication and overly cautious controls. Tell bad transactions from good, quietly, and reap the rewards.

Benefits

Protect your customers without getting in the way. When authentication adapts to real risk and behavior, legitimate users move through digital banking journeys effortlessly. The result: stronger protection, smoother experiences, customers who trust their bankincreasing share of wallet, deposits, and revenue growth

Keep transactions flowing without dropping your guard

Smarter risk decisions ensure trusted customers move forward without interruption while suspicious activity is challenged appropriately. The result: higher approval rates and stronger revenue performance.

Fewer false declines at checkout

Fewer false declines at checkout

Overly strict rules block legitimate customers and damage merchant relationships. Risk-aware authentication helps distinguish genuine transactions from fraud, allowing more legitimate payments to be approved while suspicious activity is stopped

Stronger approval rates for issuers

Stronger approval rates for issuers

Higher transaction success benefits both customers and issuers. Intelligent risk assessment allows more legitimate payments to be approved confidently while still protecting cardholders from fraud.

More frictionless payment approvals

More frictionless payment approvals

Trusted customers shouldn’t face unnecessary challenges. Adaptive authentication enables low-risk transactions to move forward without interruption, reducing cart abandonment and improving payment completion rates.

Consistent decisions across channels

Consistent decisions across channels

Transaction success depends on consistent risk decisions. A unified approach ensures authentication and fraud checks work seamlessly across e-commerce, banking, and assisted channels. 

Products that drive higher transaction success

Identity verification, payment authentication, and risk intelligence working together to boost transaction success rates.

Authentication

Authentication

Modern authentication confirms customer identity without disrupting legitimate activity. Device recognition, biometrics, and secure in-app approvals help trusted customers authenticate quickly, reducing failed logins and unnecessary payment challenges.

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3-D Secure

3-D Secure

Risk-aware 3-D Secure improves payment approval rates by allowing trusted transactions to proceed frictionlessly while applying step-up authentication only when risk justifies it. The result: smoother checkouts and fewer abandoned purchases.

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Risk intelligence

Risk intelligence

Real-time risk intelligence evaluates device, behavioral, and transaction signals to distinguish legitimate customers from fraudsters. By making more accurate decisions, issuers can approve more transactions with confidence.

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Authentication

Authentication

Modern authentication confirms customer identity without disrupting legitimate activity. Device recognition, biometrics, and secure in-app approvals help trusted customers authenticate quickly, reducing failed logins and unnecessary payment challenges.

Read more
3-D Secure

3-D Secure

Risk-aware 3-D Secure improves payment approval rates by allowing trusted transactions to proceed frictionlessly while applying step-up authentication only when risk justifies it. The result: smoother checkouts and fewer abandoned purchases.

Read more
Risk intelligence

Risk intelligence

Real-time risk intelligence evaluates device, behavioral, and transaction signals to distinguish legitimate customers from fraudsters. By making more accurate decisions, issuers can approve more transactions with confidence.

Read more

The power of partnership

30% reduction in fraud losses, improved transaction approval rates

U.S. based Centennial Bank partnered with Mastercard and Entersekt to regain control and protect its cardholders. The result: a 30% reduction in fraud losses, improvements in transaction approval rates, and stronger compliance.

Centennial Bank
“Entersekt very much felt like a partner… wanting us to be successful and not have issues with our data integrity with Mastercard.”
Vicki Johnson, E-Banking Card Manager at Centennial Bank

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Save on operational costs

FAQs

Find quick answers to common questions about improving transaction success rates. 

What causes low transaction success rates?

False declines and excessive challenges block legitimate payments, leading to abandonment and lost revenue.

How does Entersekt increase approval rates?

By using risk-based decisions to approve legitimate transactions and challenge only suspicious activity.

Will reducing friction increase fraud risk?

No. Adaptive authentication applies stronger checks only when risk is high, maintaining strong protection.

How does this improve checkout conversion?

Frictionless approvals for low-risk transactions reduce cart abandonment and improve completion rates.

Can this approach work across all channels?

Yes. Unified risk and authentication ensure consistent decisions across e-commerce, banking, and assisted channels.