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Payer Authentication is the newest
and most powerful tool available to ecommerce merchants
today. Marketed under the trade names of Verified by Visa,
Mastercard® Secure Code™, and Japanese Credit Bureau's
(JCB) J/Secure, with Payer Authentication you are guaranteed
that you will get paid and can NEVER be charged back on fully
authenticated transactions for the chargeback reason codes
covered by the programs.
No, it doesn't matter whether the customer is enrolled or
not. If you, the merchant, have the program in place, chargebacks
are blocked by Visa and MasterCard from reaching
your merchant account, just for participating. How totallly
awesome is that? Imagine not having to worry about as
much as 70% of your transaction volume.
Payer Authentication is absolutely
the best thing that's happened to e-commerce since the first
"Buy Now" button appeared on the Internet. It's
been slow getting started and it had some growing pains in
the first two years of use, but now it's solid and absolutely
the best fraud prevention tool out there. Why would you not
want to use it?
As a Visa/MasterCard/JCB approved vendor, Cardinal's proprietary
technology, Cardinal Centinel™ provides consumers, merchants,
credit/debit card issuers, and processors the ability to conduct
fully authenticated Internet-based e-commerce, while protecting
these transactions from fraud.
Cardinal's scaled pricing structure makes perfect sense for
both small and large volume businesses.
CardinalCommerce is based in Cleveland, Ohio, and maintains
a worldwide presence through its partners in the United States,
Europe, Africa, Asia, Australia, Latin America, the Middle
East and India.
Chargebacks Reason Codes covered by Verified by Visa
Visa USA: United States
Credit & Check Cards – Authentication & Attempts
23: Invalid Travel & Entertainment
61: Fraudulent MO/TO/EC
75: Cardholder does not recognize transactions
Visa USA: International
Credit & Check Cards – Authentication & Attempts
23: Invalid Travel & Entertainment
83: Fraudulent MO/TO/EC
Chargebacks Reason Codes covered by MasterCard SecureCode
MasterCard
Credit & Debit - Authentication
4837: Cardholder non-authorization
4863: Cardholder not recognized
For more information, visit the website or contact Cardinal
Commerce Merchant Services at 877.352.8444 or e-mail MerchantServices@cardinalcommerce.com
for more information.
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