Entersekt has introduced enhancements to its 3-D Secure offering to address two failure points in the online card authentication process.

The updates apply to Entersekt's access control server and 3DS Server, which sit within the 3-D Secure payment flow used by banks, merchants and payment service providers. One set of changes is designed to improve authentication resilience when browser interactions are interrupted. The other is intended to preserve authentication results when the browser does not return the shopper to the merchant as expected.

In two early deployments, net authentication success rates increased by up to 9 percentage points, according to Entersekt. In another deployment, authentication results were preserved for about 3% of authenticated transactions, representing around USD $423,000 in transaction value over seven days.

Those measurements came from separate deployments. Entersekt said the USD $423,000 figure reflected authenticated transaction value preserved for further processing, rather than confirmed completed purchases or recognised revenue.

Online card payments often require shoppers to move between a merchant checkout, a banking app or authentication page, and then back to the merchant to complete the purchase. Interruptions such as page reloads, browser failures or poor connections can break that sequence, even when the cardholder has approved the payment.

This can leave a transaction authenticated at the banking stage but unfinished at the merchant stage, resulting in a lost sale for retailers and a failed purchase for consumers. Entersekt said its latest changes are intended to reduce these gaps in the handoff between authentication and checkout completion.

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