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3-D Secure.

Secure, seamless card-not-present payments
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Eliminate card-not-present fraud with the best 3-D Secure payment experience money can buy

  

Whether your financial institution used 3-D Secure in the past or not, a brand-new specification from EMVCo and looming liability shifts mean your card division is likely to be evaluating different providers’ access control servers and the impact they may have – positive or negative – on transaction success rates and fraud.

Complicating their task is the fact that 3-D Secure 1 and 2 (the latter officially named “EMV 3-D Secure”) will be used in parallel for a few years. During this time – and depending on where they shop – cardholders could encounter both, confusing or alarming them and driving up cart abandonment just when the industry hoped the trend was downwards.

More than a 3-D Secure compliance checkbox

Entersekt has deep understanding of the 3-D Secure protocol and its continuing evolution. Our mobile-optimized 3-D Secure 1 solution was among the very first to be accredited by all the major payments networks, and the unique one-touch authentication experience it provides has boosted transaction success rates wherever it is deployed.

Our EMV 3-D Secure access control server has reached the market early too. It capitalizes on EMV 3-D Secure’s improvements, side-steps any of its limitations and, as a bonus, comes bundled with a set of APIs enabling a large and growing number of in-app payments services.

Arguably its greatest strength, EMV 3-D Secure serves significantly more contextual data to issuers’ risk engines, helping drive down the percentage of transactions requiring step-up authentication to single figures. In cases where involving the customer is unavoidable, our solution makes several strong customer authentication options available to support both in-app and app-free use cases.

In fact, it’s in these moments that Entersekt’s unique approach shines through. Having mastered a low-friction, app-based approach for 3-D Secure 1 already, we can set your customers at ease with the same step-up experience whatever the 3-D Secure version in play.

How our 3-D Secure solution benefits you

In addition to driving down card-not-present fraud, our 3-D Secure solution is proven to reduce shopping cart abandonment, increase card usage, and improve cardholder retention. Benefits include:

Highly flexible deployment
  • Cost-effective, future-proof model for on-site and hosted deployments
  • Rolls out quickly and helps expedite certification
  • Multiple risk-based and step-up authentication options
  • Pluggable framework for third-party risk engines
  • Compliant with all relevant regulations worldwide, including PSD2
Consistent, low-friction user experience
  • Far fewer step-up authentications for a much-streamlined checkout experience and improved transaction success
  • Step-up looks and feels the same for both versions of 3-D Secure
  • Preferred step-up processes can be applied to other channels for a consistent experience across all your digital services

Make the most of 3-D Secure. Contact us to book a 3-D Secure demo today!

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Entersekt is an innovator of customer-centric fintech solutions. Financial services providers and other enterprises rely on our patented mobile identity system to provide both security and the best in convenient new digital experiences to their customers, irrespective of the service channel. With us, they can concentrate on their innovation roadmap, while delivering intuitive, low-friction digital experiences to their customers.