frictionless 3d secure

Frictionless 3D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. It was first deployed by Visa with the intention of improving the security of Internet payments and is offered to customers under the name Verified by Visa. Services based on the protocol have also been adopted by MasterCard, JCB International, American Express and Discover.

3D Secure preempts the checkout process, whether it be through a checkout page, a CRM, or a booking engine. 3D Secure checks if the card is enrolled to the program (some cards are not) and sends the cardholder and card information to the banks and card brands, where an evaluation of transaction risk takes place in real-time, instantly. If the banks and card brands judge it as unlikely to be fraudulent, you get back a positive verdict where the liability is shifted from the merchant to the card issuer if that transaction later becomes a chargeback.

In the past, 3D Secure may have reduced conversion rates, given that the process was very invasive and previously involved redirecting the customer from the checkout page (or via opening a pop up) where the validation occurred. Users may have even beeen prompted to fill out a security question, PIN, or other identity validation.

Our new Frictionless 3D secure, has corrected issues from the past and made this validation seamless – there is just a background redirect which allows the bank to gather enough information to make a decision without the customer having to input any other data. In order to keep the conversion rates intact and reduce churn, PayCertify provides an implementation of 3D Secure where there is no friction for the user – in fact, there is no noticeable change between a checkout page with or without our 3D Secure plugin. This is why it is referred to as Frictionless 3D Secure. The implementation happens on the same page where your checkout is ran, making it seamless, while adding an extra layer of fraud prevention to your processing.

frictionless 3d secure

Frictionless 3D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. It was first deployed by Visa with the intention of improving the security of Internet payments and is offered to customers under the name Verified by Visa. Services based on the protocol have also been adopted by MasterCard, JCB International, American Express and Discover.

3D Secure preempts the checkout process, whether it be through a checkout page, a CRM, or a booking engine. 3D Secure checks if the card is enrolled to the program (some cards are not) and sends the cardholder and card information to the banks and card brands, where an evaluation of transaction risk takes place in real-time, instantly. If the banks and card brands judge it as unlikely to be fraudulent, you get back a positive verdict where the liability is shifted from the merchant to the card issuer if that transaction later becomes a chargeback.

In the past, 3D Secure may have reduced conversion rates, given that the process was very invasive and previously involved redirecting the customer from the checkout page (or via opening a pop up) where the validation occurred. Users may have even beeen prompted to fill out a security question, PIN, or other identity validation.

Our new Frictionless 3D secure, has corrected issues from the past and made this validation seamless – there is just a background redirect which allows the bank to gather enough information to make a decision without the customer having to input any other data. In order to keep the conversion rates intact and reduce churn, PayCertify provides an implementation of 3D Secure where there is no friction for the user – in fact, there is no noticeable change between a checkout page with or without our 3D Secure plugin. This is why it is referred to as Frictionless 3D Secure. The implementation happens on the same page where your checkout is ran, making it seamless, while adding an extra layer of fraud prevention to your processing.

solutions

ECOTrans-(Gateway)

Our Payment Gateway provides a safe and low cost way to run your transactions in a card not present environment, while supporting multiple payment processors, credit card brands and card types. It also support all of PayCertify fraud prevention products out-of-the-box.

frictionless 3d secure

3D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. It was first deployed by Visa with the intention of improving the security of Internet payments and is offered to customers under the name Verified by Visa.

kount

Kount’s patented machine learning technology analyzes transactions to stop fraud and increase revenue for online businesses, merchants, acquiring banks, and payment service providers. Through it’s cutting edge technology.

incenta pay

INCENTAPAY is a virtual card issuing platform that empowers merchants by incentivizing customers that shop at their online stores with rewards for purchses which increases conversions, increases the average ticket size and purchase order and pads the bottom line with tens of thousands of dollars per month in additional revenue. 

 

FEE REBATE GENERATOR

PayCertify is the only merchant processing company to offer the exclusive FEE REBATE GENERATOR program.  This program  can potentially eliminate all merchant processing fees by using proprietary Virtual Card Issuing technology.

JAVASCRIPT PLUGIN

Developers prefer PayCertify because of the many advanced and forward thinking integration tools offered.  PayCertify offers a simple, unique and effective Javascript plugin, which allows merchants to integrate all of PayCertify’s fraud protection tools on demand.

moto secure

MOTO|SECURE is a revolutionary new product designed to be an additional security layer for online money order/telephone order transactions. We combined the security of  3D Secure with the ease of use of our MOTO virtual terminal and POSITIVE purchase confirmation via SMS text and/or email.

Representment

Representing a chargeback is the last resort in order to prevent fraud. Once you have decided to fight a chargeback, you need to prove through evidence that the transaction being charged back is a fraud attempt.

PayCertify Guarantee

PayCertify Guarantee is our proprietary Transaction Insurance product. This product is built in to your processing fee, and gives your customers piece of mind that the product or service is fully insured and backed by PayCertify.

Confirmations

PayCertify's proprietary confirmations system, Verify Secure, serves as the last tool on the queue of our front-end tools. Confirmations eliminate any doubt that a transaction may be fraudulent by confirming that the customer actually has physical possession of the card.

data enrichment

Our Data Enrichment API is proprietary technology, that was developed through our many years of experience with the financial market. It basically consists on an asynchronous check of a mix of publicly available data and our own databases to enrich the provided data.

alerts

Our Chargeback Alert management system offers a way for businesses to prevent disputes from becoming actual chargebacks. Once you are signed up for Chargeback Alerts, when a customer tries to initiate a dispute.

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