What Entersekt does

Entersekt is a South African-founded (2008/2009), Cape Town-headquartered provider of mobile identity, payment authentication, and risk intelligence software for financial institutions. Its unified platform combines AI-powered Context Aware™ Authentication (evaluating behavior, device, and transaction signals in real time), a 3-D Secure suite (Access Control Server, Server, and Directory Server), and the Authentication Advisor risk engine, with Orkestrate (low-code orchestration of 150+ pre-built journeys) and Prism (real-time 3DS observability) as supporting modules. The company serves more than 850 financial institution clients across 45 countries and processes over 2.5 billion transactions annually following its December 2023 acquisition of Modirum's 3-D Secure business.

The company sells primarily through direct enterprise sales supplemented by channel partnerships with system integrators and platform vendors (CGI for Nordics, Q2 for digital banking platforms, Thales for Latin America). Pricing is quote-based and combines subscription licensing of the authentication platform with usage-based fees on 3DS transaction volumes; the company publicly anchors its value proposition on ROI within six months. Revenue is not publicly disclosed, but the customer base spans retail and commercial banks, issuers, payment processors, merchants/acquirers/PSPs, neobanks and fintechs, digital banking platforms, and credit unions. Customers named in case studies include Capitec, FirstBank, Columbia Bank, Swisscard, Swedbank, Mastercard, Nedbank, Norion Bank, and Naranja X.

Entersekt is privately held and backed by Accel-KKR (investing 2021-2022), PAPE Funds (multiple tranches, including the 2024 acquisition of Nedbank Private Equity's stake), Endeavor Catalyst (2025), and HAVAÍC. The company maintains certifications and compliance with PSD2/PSD3, GDPR, PCI DSS, EMVCo 3DS, and FIDO2, and has received industry recognition including five consecutive Datos Insights Best Authentication Innovation awards and Cybersecurity Excellence recognition.

Name

Entersekt

Legal name

Entersekt (Pty) Ltd.

Website

https://entersekt.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

101–250 employees

Short description

Entersekt provides AI-powered authentication, 3-D Secure payment protection, and risk intelligence software to more than 850 financial institutions across 45 countries, processing over 2.5 billion transactions annually through its unified, context-aware platform.

Ownership category

akta.pro rank

Product category

Digital Banking Authentication and Payment Security

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Systems Design Services (541512), Security Systems Services (except Locksmiths) (561621)

SIC

Services-Computer Programming Services (7371), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Risk, Fraud & 3DS Orchestration for Payments (FSAGABAL)

akta.pro secondary industries

A2A Fraud, Risk & Authentication (FSAMAFAI), Developer Tooling & SDKs for Payments (Gateway Tooling) (FSAMACAL)

Keywords

• Digital banking authentication
• Payment fraud prevention
• 3-D Secure services
• Risk-based authentication
• Identity verification platform

Headquarters

HQ city

Stellenbosch

HQ country

South Africa

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Authentication Platform Licensing: Subscription-based licensing of authentication and fraud prevention platform to financial institutions. Pricing appears quote-based with ROI demonstrated within 6 months.
2. 3-D Secure Services: Transaction-based authentication services for card-not-present payments using 3DS protocols. Supports payment security across e-commerce transactions.
3. Risk Intelligence Solutions: AI-powered risk analysis and intelligence services providing real-time fraud detection and authentication decisions.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Entersekt sells a unified, context-aware authentication platform to financial institutions, delivering AI-powered authentication across digital banking channels, 3-D Secure payment authentication (ACS, Server, Directory Server), and real-time risk intelligence via the Authentication Advisor engine. Supporting offerings include Orkestrate, a low-code orchestration platform with 150+ pre-built journeys delivered through a single API, and Prism, a real-time 3DS monitoring and observability dashboard.

Product overview

Entersekt is a digital banking and payment authentication company offering a unified platform that adapts to context and risk in real time. The platform centers on three core pillars: AI-powered Authentication covering all channels, 3-D Secure payment protection (including ACS, Server, and Directory Server components), and Risk Intelligence powered by Authentication Advisor. Supporting modules include Orkestrate (low-code orchestration with 150+ pre-built journeys) and Prism (real-time 3DS ACS monitoring). The Context Aware™ Authentication engine unifies these capabilities using behavioral biometrics, device intelligence, transaction context, and geolocation signals to deliver adaptive, frictionless security across digital banking, payments, and fraud prevention use cases.

Differentiator

Problem solved

Functional benefit

Brands

• Orkestrate: A low-code orchestration platform offering over 150 pre-packaged authentication journeys for digital banking and fraud prevention, enabling faster integration via a single API.
• Prism
• Authentication Advisor
• Context Aware™ Authentication

Products and services

• Entersekt Authentication Platform AI-powered authentication covering all channels and use cases for financial institutions. Validates transaction integrity in real time by evaluating behavior, device, and transaction signals, stopping fraud without disrupting the user experience. Sold to banks, payment processors, and fintechs.
• Entersekt 3-D Secure Comprehensive 3-D Secure payment authentication solution for card-not-present transactions, comprising an Access Control Server (ACS), 3-D Secure Server, and Directory Server. Protects card-not-present payments, reduces fraud, lowers false declines, and improves transaction success rates for issuing banks, merchants, acquirers, and PSPs.
• Authentication Advisor Risk intelligence engine that powers authentication and 3-D Secure decisions in real time by analyzing behavior, device data, and global signals to assess intent and risk. Continuously learns from outcomes to improve accuracy and reduce false positives. Sold as a component of the Entersekt platform to financial institutions.
• Orkestrate Low-code orchestration platform offering over 150 pre-built authentication journeys delivered through a single API with native SDK support. Reduces integration time by 85% and provides consistent, secure experiences across authentication, payments, and high-risk actions. Sold to banks and financial institutions seeking faster deployment.
• Prism Real-time monitoring and observability tool for 3-D Secure Access Control Server operations. Provides customizable insights, performance optimization, proactive alerting, and integration with monitoring platforms such as Splunk and OpenSearch. Sold to financial institutions operating 3DS at scale.

Quantifiable outcome

• 99% reduction in phishing attempts, saving millions in fraud loss dollars
• +9 more outcomes

Named customers16 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability5 records

Feature8 records

Partnerships

Four partnerships are on record, tiered major and core.

• CGImajorChannel Partner/ Reseller/ Distributor · 17 June 2026CGI and Entersekt partnered to strengthen 3-D Secure services for Nordic issuers. CGI offers Entersekt's cloud-based 3DS Access Control Server to Nordic banks, with Norion Bank in Sweden as the first client. This partnership expands Entersekt's reach in the Nordic region.
• MastercardcoreStrategic or Co-development PartnerEntersekt partnered with Mastercard's Scam Protect suite to enhance fraud prevention capabilities for financial institutions globally. This collaboration strengthens Entersekt's position in the digital payment security market.
• ThalesmajorTechnology or IntegrationThales integrated Entersekt's payment authentication technology, including 3-D Secure protocol, into its D1 Platform. The solution was implemented successfully at Naranja X in Latin America, enabling wallet tokenization for Apple Pay and Google Pay while reducing fraud-related costs through proactive threat detection.
• Q2majorTechnology or IntegrationQ2's digital banking platform integrated Entersekt's authentication technology. A Q2 customer achieved rapid, significant ROI with Entersekt's robust authentication technology for Q2 digital banking authentication.

Scale indicators19 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• OneSpan: OneSpan is a direct competitor providing multi-factor authentication, digital identity verification, and 3-D Secure payment authentication to banks and financial institutions globally. Overlap with Entersekt's authentication, 3DS ACS, and risk-based authentication offerings is nearly identical across target customer and use case.
• BioCatch: BioCatch provides behavioral biometrics and fraud detection specifically for the digital banking and payments space, analyzing user behavior patterns like Entersekt's Authentication Advisor. Both companies serve major banks with AI-driven account takeover and fraud prevention.
• RSA Security: RSA offers adaptive authentication, fraud detection, and 3DS solutions to large financial institutions, directly competing with Entersekt's Context Aware Authentication and risk intelligence platform. They share many of the same global bank clients.
• Feedzai: Feedzai provides AI-native risk management and fraud prevention for banking and payments, directly comparable to Entersekt's real-time risk scoring and behavioral analytics. Both target issuers, processors, and neobanks with API-first integration.
• Outseer (F5): Outseer (formerly RSA Fraud & Risk Intelligence, now under F5) provides 3-D Secure and account takeover fraud prevention products, directly competing with Entersekt's 3DS ACS and authentication platform. They share the EMVCo 3DS and bank issuer customer base.
• Transmit Security: Transmit Security provides identity and risk orchestration with fraud detection for banks and fintechs, comparable to Entersekt's Orkestrate orchestration platform and Context Aware Authentication. Both pursue API-first, low-code integration strategies.

Broad incumbents

• FICO: FICO's Falcon Platform is a leading enterprise fraud management and CNP fraud solution for card issuers and banks, competing broadly with Entersekt's 3DS and risk intelligence offerings. FICO brings deep analytics heritage and incumbent issuer relationships at global scale.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions (including ThreatMetrix and BehavioSec) offers identity verification, behavioral biometrics, and fraud prevention for financial institutions, competing with Entersekt's Authentication Advisor. Their global consortium data network parallels Entersekt's behavioral data advantage.
• NICE Actimize: NICE Actimize provides enterprise fraud and financial crime management for large banks, including authentication and payment fraud prevention capabilities that overlap with Entersekt's 3DS and authentication offerings. They serve many of the same tier-1 global financial institutions.

Emerging players

• Callsign: Callsign delivers AI-driven authentication and fraud detection for financial institutions using behavioral biometrics and device intelligence, closely mirroring Entersekt's risk intelligence approach. Their focus on digital banking and payments makes them an emerging direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights8 records

Customer concentration

• Xx.com/entersekt
• Facebookfacebook.com/entersekt
• LinkedInlinkedin.com/company/568400
• Instagraminstagram.com/entersekt

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

Funding overview

Funding rounds8 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Entersekt