Assure customers that only they can use their credit
cards and assure merchants that transactions coming through their website are not fraudulent. Verified by Visa and MasterCard Secure Code does exactly this.


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.

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

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...

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.

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.

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.

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 or contact your USA ePay sales representative.
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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