3-D Secure payments

End-to-end online payment authentication

Ensuring safe, seamless online payments for issuers, processors, payment service providers, merchants, and card networks with EMV 3-D Secure (3DS).

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Certified by EMVCo and all major card brands

Accurate fraud detection, high frictionless rates

EMVCo approved logo
Visa Secure Logo logo
Mastercard ID Check logo
American Express Safekey logo
Protect buy logo
UnionPay logo

62%

Increased authentication rate

Driving organizational efficiencies

66%

Increase in overall success rate

With enhanced security and user experience

70%

Reduction in fraud losses

Cost savings without adding friction

Solving the multi-billion-dollar CNP fraud problem, accelerating globally

Modern 3-D secure solutions are proven to simultaneously prevent card-not-present (CNP) fraud and improve cardholder experiences. Issuers, processors and merchants see reduced fraud losses, chargebacks, false declines, and regulatory fines, while increasing revenue.

Pain point

Compliance and liability

Regardless of the location or market, online payments must maintain regulatory and card network compliance.

Pain point

Higher fraud and costs with legacy platforms

Outdated 3DS systems offer limited control and high support costs; dependency on OTPs increases social engineering risk.

Pain point

Poor cardholder experience

High friction challenges, and lack of multi-factor options increase false declines, and have higher abandon rates.

Buyer’s Guide

Secure more, abandon less

According to Datos Insights, 57% of fraud executives are concerned about consumer scam attacks. That’s no surprise considering how scammers use AI and machine learning to create attacks that trick even tech-savvy customers.

Outdated fraud prevention measures, like OTPs still used by many ACS providers today, are no longer effective at safeguarding customers. Discover the smarter ACS advantage...   

CNP payment security without friction

Fewer false declines AND lower fraud losses

Increase authorization and approval rates while reducing cart abandonment and customer churn. Deliver high-security authentication that users prefer, with up to 98% frictionless rates.

Authentication

Authentication

Entersekt enables financial institutions to maximize security and minimize friction by leveraging best-in-class customer authentication technologies across all digital banking channels.

Learn more
3-D Secure

3-D Secure

Modern payment authentication for next-gen fraud prevention. Entersekt is a global leader in EMV 3DS certified solutions for end-to-end transaction authentication across all three domains.

Learn more
Risk intelligence

Risk intelligence

Risk-based authentication (RBA) that dynamically adjusts authentication requirements based on contextual risk factors—such as device, location, and user behavior—to balance security and user experience.

Learn more
Authentication

Authentication

Entersekt enables financial institutions to maximize security and minimize friction by leveraging best-in-class customer authentication technologies across all digital banking channels.

Learn more
3-D Secure

3-D Secure

Modern payment authentication for next-gen fraud prevention. Entersekt is a global leader in EMV 3DS certified solutions for end-to-end transaction authentication across all three domains.

Learn more
Risk intelligence

Risk intelligence

Risk-based authentication (RBA) that dynamically adjusts authentication requirements based on contextual risk factors—such as device, location, and user behavior—to balance security and user experience.

Learn more

Reduced false declines, increased conversion rates

The benefits of a consistent 3DS experience

Working with Entersekt, leading South African retail bank, Capitec, streamlined their full 3-D Secure journey and reaped the rewards: conversion rates increased by 54% in six months; transaction value grew 149% in the first year.

CASE STUDY

Capitec Bank boosts card use and checkout rates with a streamlined 3-D Secure experience

Read the case study
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

Secure 3DS payments

Reduce fraud losses, improve transaction success rates

FAQs

Find quick answers to frequently asked questions about 3-D Secure payments.

What is 3-D Secure (3DS)?
A payment authentication protocol that verifies cardholders during online transactions to prevent fraud. 
How does Entersekt’s 3DS solutions reduce CNP fraud?
It adds risk-based authentication, blocking fraudulent transactions while allowing legitimate ones through. 
Will 3DS add friction to checkout?
Modern 3DS enables frictionless flows, approving low-risk payments without step-up authentication.
Who benefits from 3DS solutions?
Issuers, processors, PSPs, merchants, and networks gain lower fraud, fewer chargebacks, and higher approvals. 
What authentication methods does 3DS support?
OTP, biometrics, passkeys, device ID, and push notifications for secure, flexible verification.