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 What
is 3D Secure Payer Authentication...
Payer authentication, also known as Verified by Visa (VbV) and
MasterCard SecureCode, are security protocols developed by Visa
and MasterCard that allow consumers to shop online more
securely. Visa and MasterCard also give back to eCommerce
businesses who enable these programs by providing chargeback
protection and lower interchange rates. You may also hear the
programs referred to as 3-D Secure.
Simply put, payer authentication is validation that the online
shopper is the cardholder. Merchants participating in the
programs are helping to fight identity theft and consumers are
thanking them by repeat shopping at these secure websites.
Verified by Visa and MasterCard SecureCode are one of the most
sought after fraud tools for merchants and it makes sense why.
How
Does It Work...
VbV and SecureCode enable cardholders to create a PIN (or
“secure code”) and assign it to their credit card. During
checkout, the Customer is prompted to enter their PIN and the
cardholder’s identity can then be confirmed by their Card
Issuing bank. The Card Issuer provides additional data elements
to confirm the cardholder’s identity. The data elements are
amended to the authorization and settlement messages, thus
providing the proper benefits of VbV/MCSC. To learn about the
entire transaction flow, contact us, we’ll gladly walk you
through it.
If a cardholder has not enrolled in the program, their
transaction will continue normally. Visa and MasterCard offers
zero-liability and still protects you on these transactions. In
any case the merchant is getting an extraordinary level of
protection. |
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Benefits...
With the programs, Visa and MasterCard aim to increase consumer
confidence in online shopping and reduce fraud. To encourage 3-D
Secure adoption, Visa and MasterCard offer significant merchant
benefits including:
• Fraudulent chargeback protection (per the rules of Visa
and MasterCard)
• Interchange discounts averaging 20 basis points
• Dramatic reduction in the fraud screening costs and manual
review
• Higher AOV (Average Order Value); secure, confident
Customers spend more
• Free and automatic platform upgrades
• Expand internationally, risk-free
• Consumer brand loyalty and security
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Our Partner Cardinal Commerce
Cardinal Commerce allows USA ePay merchants to use
Verified by Visa (VBV) and MasterCard SecureCode (MCSC) directly
via the USA ePay Developer's Library
as well as through their own third party software. All you need
is your USA ePay account and a Cardinal Commerce account to
begin using VBV and MCSC today.
More
Information and Brochures...
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Click on the PDF icon to the left, to
view the official USA ePay information guide about both
the Verified by Visa and MasterCard SecureCode
authentication programs. |
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Click on the PDF icon to the left, to
view the official MasterCard information pamphlet on the
MasterCard SecureCode program. It outlines the details
and benefits of using MSC. |
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Click on the PDF icon to the left, to
view the Payer Authentication Information Sheet on the
Verified by Visa and MasterCard SecureCode program. It
outlines the why's, how's and what's of the programs. |
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Sales
Contact and Information
If you are interested in the Verified by Visa and MasterCard
SecureCode programs for your credit card processing, please
contact the sales dept. of USA ePay at 866.872.3729 or email
sales@usaepay.com or
contact your USA ePay sales representative.
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Ready to lose the liability? Join the thousands of merchants which have already protected themselves from fraudulent transactions. Just click the sign-up link to the left to get started with the Verified by Visa and MasterCard SecureCode programs. |
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