reduce chargebacks,

What is Verified by Visa?

Verified by Visa protects an online shopper's existing Visa® card number with a personal password, giving them reassurance that only they can use their Visa card online.

By accepting Verified by Visa authenticated transactions, merchants can absolve themselves of fraud liability, including the related costs of chargebacks, lost inventory and financial penalties.

What is SecureCode TM?

MasterCard® SecureCode was designed to go right to the heart of today’s online security concerns. With this solution, cardholders are able to authenticate themselves to their issuer through the use of a unique personal code. MasterCard SecureCode requires cardholders to enter their special code in a separate browser window before the transaction can be authorized. Use of this unique personal code gives cardholders the added peace of mind that comes with knowing that no one else has access to their SecureCode. It’s a small extra step, but a welcomed confidence booster.

What is JCB J/Secure?

J/Secure adds an important password identification step to the traditional online shopping process, verifying the identity of the person entering the card information. In this way, J/Secure will provide JCB customers with greater security in their credit card payments, and enhance confidence in card payments over the Internet. In addition, J/Secure technology is conveniently implemented, and is compliant with the 3-D SecureTM protocol.

How easy is it to become 
an enabled merchant?

Authorize.net merchants can enable the service themselves from within the virtual terminal by the click of a button. Free to sign up for a limited time. 

Requirements : 

-Your Web site must be integrated directly with the payment gateway via the Advanced Integration Method (AIM)
-Your account must not be integrated with the payment gateway via a shopping cart solution unless it is also certified with Cardinal Commerce
-Your merchant account must be Card Not Present
-You must use one of the following processors: FDMS Nashville, Vital

What is the value proposition for participating in Verified by Visa?

Merchants who participate in Verified by Visa will be guaranteed payments for just attempting to authenticate the cardholder . The overall risk of fraud will be diminished significantly.

Learn more about the REVOLUTIONARY new technologies and card association rules that give UNPRECEDENTED PROTECTION to merchants accepting payments over the Internet!

 Don’t just authorize – Authenticate!

Have you ever filled an order where the cardholder denies making the purchase? If   you sell on the  Internet, you’ve been there, and you’ve paid for it – in lost products, shipping costs, and high chargeback fees.

Finally, there is help ...E-Commerce Exchange has selected a solution now available to you that will reduce this form of fraud -
Cardinal Centinel Authenticated Payments .

Finally, there is a way for you to get similar protection that "brick and mortar" retailers enjoy when cardholders sign their purchase receipts. For the first time, Authenticated Payments allow you, as an Internet merchant, to take advantage of Card Association initiatives such as Verified by Visa, MasterCard® SecureCode TM and JCB J/Secure . These programs allow you to authenticate a Visa® or MasterCard cardholder’s identity while shopping on your Web site. It makes Internet transactions nearly as safe as card-present transactions.

When shoppers enter a Visa, MasterCard or JCB card number on your Web site, they are prompted to enter the password they have established with their issuing bank. With Authenticated Payments, the liability for the "I didn’t do it" chargebacks shifts from you, the Internet merchant, to the cardholder’s issuing bank! No more lost product, no more chargeback fees!

What can E-Commerce Exchange do for you?

E-Commerce Exchange offers a unique solution for those merchants wishing to participate in the Verified by Visa, MasterCard SecureCode and JCB J/Secure programs. The solution even works without the hassle and expense of multiple software implementations.

A merchant can choose to access the solution in two different ways. The first option is a Thin Client, which is integrated into your e-commerce site. The second option is EasyConnect, which communicates with the authentication service via https.

Regardless of which option you choose, the process works the same way. Either of these approaches will virtually eliminate the need for any ongoing systems changes.

As Visa, MasterCard, JCB and the other payment networks enhance their programs, your Thin Client or EasyConnect services will be updated automatically on a centralized authentication server, without any additional implementation efforts or expenses.

Benefits

Features