Authorized push payments

Protect customers from APP fraud—and themselves

Customers don't authorize fraudulent payments because they're careless. They authorize it because they've been convinced. Entersekt helps stop authorized push payment (APP) scams in real-time, before irrevocability sets in.

Authorized push payments

Real-time protection against real-time fraud 

Proven to reduce fraud across multiple real-time payment systems 

Nedbank logo
Chartway logo
qards logo
Nuvision logo
Orange bank logo
PayInc logo
Columbia bank logo
Swedbank logo
Capitec logo
Fisrt Financial Bank logo
Mastercard logo
Merrick Bank logo

90%

Reduction in P2P fraud

Prevent more fraudulent payments without disrupting legitimate customers 

24/7

Real-time protection

Evaluate payment risk continuously across every digital channel 

94%

Success rate

With self-serve biometric password resets

The customer is already authorized. But the payment shouldn’t be.

Traditional authentication proves who a customer is. It doesn't prove they aren't being manipulated. That's where a layered approach is different. By assessing identity, intent, device, behavior, and transaction context in real-time, banks can alert their customers to potential APP threats as they arise.

Pain point

Customers authorize the fraud themselves

Social engineering convinces legitimate customers to transfer money willingly. Traditional authentication sees a successful login—not a customer being manipulated.

Pain point

Every payment receives the same treatment

Static controls create unnecessary friction for legitimate customers while sophisticated scams continue to bypass predictable authentication journeys.

Pain point

Fraud moves faster than manual reviews

Real-time payments leave little opportunity to investigate suspicious activity before funds are transferred and recovery becomes unlikely.

Expert-led webinar

Reducing APP fraud with modern authentication

FIs with outdated authentication solutions increase the risk of exposing their customers to attack vectors, like instant payments, authorized push payments and account takeover fraud. Hear from experts, including Maggie Tuschinski from First Financial Bank, on how modern authentication can protect banking customers and futureproof their solutions. 

Powered by adaptive fraud prevention 

Three products. One intelligent defense against payment scams

Preventing APP fraud requires more than authentication. Combine adaptive authentication, payment protection, and real-time risk intelligence to verify who customers are—and whether the transaction makes sense. 

Authentication

Authentication

Adaptive authentication evaluates device trust, behavioral signals, transaction context, and customer intent before approving payments. High-risk activity triggers stronger verification, while trusted customers move through with minimal friction.

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3-D Secure

3-D Secure

3-D Secure applies intelligent, risk-based authentication to online payment journeys. By combining real-time risk analysis with strong customer authentication, issuers reduce fraud while maintaining a smooth customer experience.

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Risk intelligence

Risk intelligence

Risk Intelligence continuously analyzes behavioral, device, and transaction signals to identify suspicious activity before payments are completed. Shared intelligence helps detect emerging fraud patterns and improve every authentication decision.

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Authentication

Authentication

Adaptive authentication evaluates device trust, behavioral signals, transaction context, and customer intent before approving payments. High-risk activity triggers stronger verification, while trusted customers move through with minimal friction.

Learn more
3-D Secure

3-D Secure

3-D Secure applies intelligent, risk-based authentication to online payment journeys. By combining real-time risk analysis with strong customer authentication, issuers reduce fraud while maintaining a smooth customer experience.

Learn more
Risk intelligence

Risk intelligence

Risk Intelligence continuously analyzes behavioral, device, and transaction signals to identify suspicious activity before payments are completed. Shared intelligence helps detect emerging fraud patterns and improve every authentication decision.

Learn more

Stopping Zelle scams in their tracks

Entersekt protects clients from Zelle fraud, customer loss, and reputational damage

Financial institutions have achieved a remarkable 90.7% reduction in Zelle fraud rates, with one even experiencing zero reported cases. See how Entersekt can help your institution overcome authorized push payment scams.

1stBank
“Once the customer opens the notification, they have the option to ‘Send’ or ‘Reject’ the payment. We believe this type of smart friction is foundational to helping deter fraudsters in a faster payments world.”
Kelly Kaminskas, Chief Digital Officer at FirstBank

Instant protection for instant payments

Ready to stop authorized push payment scams at your financial institution?

FAQs

Find quick answers to frequently asked questions about authorized push payments.

What is an authorized push payment?
An authorized push payment (APP) refers to a type of electronic payment where the payer authorizes the transfer of funds from their account to another account, typically through online banking or a mobile banking app. 
Which payment types can be protected?
Our platform helps protect high-risk digital transactions including account transfers, wire payments, peer-to-peer payments using networks like Zelle, and other real-time payment journeys.
Why doesn't MFA stop APP fraud?
Multi-factor authentication (MFA) confirms identity. It cannot determine whether a legitimate customer is being socially engineered into authorizing a fraudulent payment.
How does Entersekt help prevent payment scams?
Entersekt’s authentication evaluates identity, intent, behavior, device trust, and transaction context in real time to identify suspicious payments before they're completed.
Will stronger fraud controls increase customer friction?
No. Adaptive authentication applies additional verification only when risk is elevated, keeping trusted transactions fast and seamless.