All online payments are classified as ‘card not present’ (CNP) transactions. Our 3D-Secure technology is designed to reduce the possibility of fraudulent card use by authenticating the cardholder at the actual time of the transaction and subsequently reducing your exposure to disputed transactions.
Also known as ‘Verified by Visa’ and ‘MasterCard Secure Code’, the 3D-Secure XML-based protocol authentication is an additional layer of security surrounding online payments on VISA, VISA DEBIT, MASTERCARD, MASTERCARD DEBIT, INTERNATIONAL MAESTRO, UK MAESTRO and VISA ELECTRON.
Our 3D-Secure service requires the cardholder to register their card to take advantage of the service. They must answer several security questions to which only the card issuer and cardholder will know the answer. The cardholder selects a password and agrees on a secret phrase, which will be used by the card issuer during each online transaction. This reduces the possibility of fraudulent card use by authenticating the cardholder at the actual time of the transaction and creates a liability shift from your business (acting as the merchant) to the acquiring bank.
We’ll only ever pass on processing charges for successful transactions (no charge for declined, chargebacks or refunds) and with our dedicated web team we can assist your business with the implementation of our 3D-Secure service or initiate our secondary ONLINE solution to host and process payments on your behalf.
With PCI Telecom hosting your online payment pages, your business de-scopes itself from the requirements of PCI DSS whilst ensuring a positive online payment experience for your customers. Our EV SSL domains provide high levels of protection against fraudulent activity.