Regulatory compliance

Meet compliance demands without slowing growth

Regulations keep changing. Customer expectations don’t. Stay compliant with global and regional mandates while delivering secure, low-friction experiences that don’t slow customers down.

Regulatory compliance

Total

PSD2/PSD3 compliance

EMV 3-D Secure

Fully

FIDO certified

Biometric authentication

100%

GDPR compliant

Customer and payment authentication

Compliance that’s built-in, not bolted on

Mandates update and evolve. That doesn’t mean customer experience should suffer. When compliance is built directly into authentication and decisioning, it becomes effortless.

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

Compliance brings a competitive edge

Regulatory requirements continue to evolve across regions and payment schemes. Financial institutions must meet compliance mandates without introducing unnecessary friction for customers or slowing digital innovation.

Meet evolving global mandates

Meet evolving global mandates

Regulations and scheme requirements change frequently. Built-in support for evolving standards and mandates, such as PSD2 and PSD3, helps institutions stay compliant without constant system redesign.

Maintain experience, despite compliance

Maintain experience, despite compliance

Compliance should not come at the expense of customer experience. Modern authentication enables institutions to meet regulatory requirements without disrupting digital journeys.

Apply strong authentication correctly

Apply strong authentication correctly

Regulations often require step-up authentication for certain transactions. Risk-aware decisioning ensures strong authentication is applied when required while allowing low-risk activity to proceed.

Be audit-ready with transaction evidence

Be audit-ready with transaction evidence

Detailed authentication records and reporting provide clear evidence for audits, dispute resolution, and regulatory reviews.

Products that support regulatory compliance

All the technology needed to meet global regulatory obligations without sacrificing strong security or optimal experiences. 
 

Authentication

Authentication

Strong customer authentication methods support global regulatory requirements like PSD2/3 while enabling secure digital banking. Device-bound credentials and biometrics provide secure verification aligned with modern standards.

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3-D Secure

3-D Secure

EMV 3-D Secure supports regulatory requirements such as PSD2/3 Strong Customer Authentication (SCA) while enabling risk-based exemptions that preserve smooth payment experiences.

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Risk intelligence

Risk intelligence

Risk intelligence enables compliant authentication decisions by evaluating transaction context in real time. This ensures strong authentication is applied where required while supporting risk-based exemptions.

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Authentication

Authentication

Strong customer authentication methods support global regulatory requirements like PSD2/3 while enabling secure digital banking. Device-bound credentials and biometrics provide secure verification aligned with modern standards.

Read more
3-D Secure

3-D Secure

EMV 3-D Secure supports regulatory requirements such as PSD2/3 Strong Customer Authentication (SCA) while enabling risk-based exemptions that preserve smooth payment experiences.

Read more
Risk intelligence

Risk intelligence

Risk intelligence enables compliant authentication decisions by evaluating transaction context in real time. This ensures strong authentication is applied where required while supporting risk-based exemptions.

Read more

The first of its kind in Europe

PSD2-compliant implementation of FIDO for payments


In Germany, card issuer qards (formerly PLUSCARD) adopted Entersekt’s multi-factor authentication. By choosing a hardware token solution based on FIDO standards, they not only met PSD2 SCA compliance, but gave customers a choice of methods based on their device preferences.

qards-1
"Customers without a mobile device now have the option to approve their online payments conveniently and securely with the FIDO token."
Thomas Niederauer, Product Manager at qards

Browse more outcomes

Reduce the cost of fraud

FAQs

Find quick answers to common questions about meeting regulatory compliance.

How does Entersekt support regulatory compliance?

By embedding compliance into authentication and risk decisions, aligning with global standards like PSD2/3 and GDPR.

Can compliance be achieved without adding friction?

Yes. Risk-based authentication applies step-up only when required, keeping most journeys seamless.

How does this adapt to changing regulations?

Built-in support for evolving mandates reduces the need for constant system updates or redesigns.

Does this help with audits and reporting?

Yes. Detailed authentication records provide clear evidence for audits, disputes, and reviews.

What standards does Entersekt support?

It supports EMV 3-D Secure, FIDO authentication, and global regulations like PSD2/3 and GDPR.