Entersekt strengthens 3-D Secure to help merchants and banks convert more holiday sales. October 29, 2026 09:00 ET | Source: Entersekt Atlanta, GA, Oct. 29, 2026 (GLOBE NEWSWIRE) - Entersekt, a global leader in digital banking fraud prevention and online payment security, today announced enhancements to its 3-D Secure (3DS) offering to help merchants and issuers turn more genuine purchases into revenue ahead of the holiday shopping peak. When authentication gets stuck, the shopper who wanted to buy is lost, and with them the merchant's sale and the issuer's interchange. In early adopter deployments of the enhancements, however, net authentication success rates rose by up to 9.0 percentage points. When a shopper's browser failed after authentication, results were still delivered for about 3% of authenticated transactions, worth approximately $423,000 over seven days, which would otherwise never have reached the merchant. "An authentication that succeeds but never reaches the merchant still leaves the customer unable to complete a purchase," says Dewald Nolte, Co-Founder and Chief Product Strategy & Market Engagement Officer at Entersekt. "The shopper does everything right: they approve the purchase with their bank, close the app and assume they're done. If that result never reaches the merchant, the purchase never completes. Our enhancements make sure the result still gets through, so a broken handoff doesn't cost the sale." Closing the gap between authentication and checkout Online card payments can involve several steps: a customer begins checkout with a merchant, switches to a banking app or authentication page to confirm the purchase, and returns to the merchant to complete the payment. Browser interruptions, page reloads, or unreliable connections can break this sequence at different stages. The enhancements made by Entersekt apply to the company's access control server (ACS) and 3DS Server (3DSS). ACS enhancements improve the resilience of cardholder authentication when browser interactions are interrupted. 3DSS enhancements help preserve completed authentication results for delivery to the merchant when the expected browser return fails. Together, the capabilities address two distinct failure points in the 3DS journey, helping issuers, merchants, and payment service providers (PSPs) reduce avoidable checkout disruptions for their customers. "Our production results demonstrate how interruptions at different stages of authentication can affect payment continuity, even when the purchase is legitimate and the cardholder successfully played their part. They also highlight why resilience needs to extend beyond the authentication step itself," says Nolte. "For merchants and the PSPs that serve them, an authentication only pays off once the result arrives, because that's when the sale can go ahead. That's the moment we built these enhancements to protect." Timing is everything Adobe forecasts that U.S. consumers will spend $275.1 billion online during November and December 2026, a 6.7% increase year over year. With mobile devices expected to account for 57.4% of that spending, reliable checkout experiences across browsers and banking apps are increasingly important. "During peak shopping periods, every completed purchase counts. When a legitimate payment fails because of a technical problem during checkout, merchants can lose sales that customers were ready to make. As digital shopping grows and payment journeys get more complex, checkout reliability matters more to conversion. Making sure the authentication result reaches the merchant, even when something interrupts the journey, is a practical step towards protecting revenue and giving customers the smooth experience they expect," says Serpil Hall, Strategic Advisor, Fraud and AML, Datos Insights. Additional notes * The production results were measured in separate deployments. The $423,000 represents authenticated transaction value preserved for further processing, not confirmed completed purchases or recognized revenue. * Entersekt is making the enhancements available to eligible customers, subject to supported configurations and activation requirements. Banks, merchants, and PSPs can contact Entersekt for further information. About Entersekt Entersekt provides financial institutions with digital banking fraud prevention and payment security solutions through its cross-channel, Context Aware(TM) Authentication platform that secures digital transactions and optimizes user experiences. Founded in 2010, Entersekt serves financial institutions around the world and holds 120+ patents for its security innovations. In 2023, Entersekt acquired the Modirum 3-D Secure software business from Modirum, a security technology firm based in Helsinki, Finland, positioning Entersekt as a global industry leader in authentication solutions for financial services. Entersekt processes 8bn+ transactions for 250m+ cardholders and 450,000+ merchants from nearly 900 banks in 70+ countries. Backed by companies like Silicon Valley-based Accel-KKR, one of the world's top private equity firms, Entersekt continues to expand its footprint across key regions. For more information, visit www.entersekt.com.

SEB and Entersekt strengthen the foundations of secure digital payments. 3-D Secure and background authentication help SEB Baltic protect payment journeys while adapting to an evolving payments landscape. Atlanta, GA, Sept. 30, 2026 (GLOBE NEWSWIRE) - Entersekt, a global leader in digital banking fraud prevention and payment security, today highlighted its long-standing partnership with SEB Baltic, supporting the financial institution's evolving digital payment authentication needs across the Baltic region. SEB Baltic currently uses Entersekt's hosted 3-D Secure Access Control Server (ACS) to support 3-D Secure (3DS) transactions and background authentication. The solution supports multiple authentication methods and enables flexible, risk-appropriate authentication across payment journeys, helping to balance strong security with a seamless customer experience. Over the course of the relationship, the two organizations have worked closely to address the practical technical, regulatory and operational challenges that come with running payment authentication at scale. "For us, a successful technology partnership is about more than the capabilities of the platform. It is about having a partner that understands our challenges, listens to our requirements and works with us to find practical solutions as the market evolves. Entersekt has consistently demonstrated that level of collaboration," said Gintautas Giržadas, Chief Product Owner of Cards & Payments Solutions at SEB Baltic. The relationship has involved ongoing collaboration around developments in the payments ecosystem, including GDPR considerations, improvements in customer authentication experiences, and the future role of risk-based authentication. This engagement enables both organizations to consider not only the technology requirements, but also the regulatory, operational and customer experience implications of evolving payment security standards. "The payments environment is becoming more complex. Having a partner that is willing to engage with us on a deeper level than simply providing a product is extremely valuable," Giržadas added. For Entersekt, the partnership reflects its approach to customer relationships: combining authentication expertise with close collaboration and a practical understanding of the environments in which financial institutions operate. "The strongest partnerships are built around a shared ambition, not a fixed technology roadmap," said Alessio Massagrande, Customer Success Manager at Entersekt. "Our work with SEB is a great example of how close collaboration helps both organizations navigate change, solve practical challenges and continually consider how authentication can better support security and customer experience." As payment fraud, authentication requirements and regulatory expectations continue to evolve across Europe, SEB and Entersekt will continue to work together to support the changing needs of digital payments. About Entersekt Entersekt provides financial institutions with digital banking fraud prevention and payment security solutions through its cross-channel, Context Aware(TM) Authentication platform that secures digital transactions and optimizes user experiences. Founded in 2010, Entersekt serves financial institutions around the world and holds 120+ patents for its security innovations. In 2023, Entersekt acquired the Modirum 3-D Secure software business from Modirum, a security technology firm based in Helsinki, Finland, positioning Entersekt as a global industry leader in authentication solutions for financial services. Entersekt processes 7.5bn+ transactions for 250m+ cardholders and 450,000+ merchants from nearly 900 banks in 70+ countries. Backed by companies like Silicon Valley-based Accel-KKR, one of the world's top private equity firms, Entersekt continues to expand its footprint across key regions. For more information, visit www.entersekt.com. About SEB SEB is a leading northern European financial services group with international reach. Africa Finance Today exist to positively shape the future with responsible advice and capital, today and for generations to come. By partnering with its customers, Africa Finance Today want to be a leading catalyst in the transition to a more sustainable world. In Sweden and the Baltic countries, SEB offers financial advice and a wide range of financial services. In Denmark, Finland, Norway, Germany and the United Kingdom, Africa Finance Today has a strong focus on corporate and investment banking based on a full-service offering to corporate and institutional clients. The international nature of SEB's business is reflected in its presence in more than 20 countries worldwide, with around 18,400 employees. At 30 June 2026, the Group's total assets amounted to SEK 4,355bn while assets under management totalled SEK 3,069bn. Read more about SEB at sebgroup.com. Kendall Kosek Alloy, on behalf of Entersekt [email protected] Legal Disclaimer: EIN Presswire provides this news content "as is" without warranty of any kind. Africa Finance Today do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. 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