Verified by Visa and MasterCard SecureCode Credit Card PIN

Enabling Verified by Visa and MasterCard SecureCode in your internet payment system is one way to reduce the incidence of fraudulent Internet Payments.

Verified by Visa (also known as VBV) and MasterCard SecureCode (also known as 3D Secure) is a system run by the Visa and MasterCard card schemes. The system works by requiring the card holder to register the card and a PIN with the Visa or MasterCard card scheme. The card holder does this simply by logging onto the respective card scheme web site and filling out a brief form. Once the card holder has registered their card and their PIN, each time they go onto a web site to make a payment, and where that merchant web site is also VBV and 3D Secure enabled, a separate pop up will appear asking the card holder to enter their PIN. This PIN is sent directly to the card scheme who then confirms or denies the validity of the PIN to each of the card holder and merchant. Naturally, the payment is declined if the card scheme denies the validity of the PIN.

The effectiveness of the system is derived from no merchant at any stage ever touching or being able to touch or store any card holder PIN. The PIN is therefore only ever known by the card holder and the card scheme.

The SecurePay VBV and 3D Secure service is available on the Direct One Hosted Payments Page Integration and the eSec SSL Browser Redirect Integration.

Call our Sales team on 1300 786 756 to activate Verified by Visa and MasterCard SecureCode on your payment gateway facility.

Fraud Prevention

Fraud Prevention - this is specialised area and the right solution for you will depend upon the types of payments you accept and the types of services or products you’re selling. Naturally, if you’re a real estate agent wanting to take rent payments from tenants then the probability of a fraudulent payment is low. On the other hand, if you’re an online retailer specialising in DVD, computer or electronic sales then your susceptibility to fraud is much greater.

SecurePay have a range of technologies and techniques to minimise fraud. Find the specialised solution that is right for you - speak to us today.

Card Verification Value

Enabling Card Verification Value (CVV) in your payment system is one way to reduce the incidence of fraudulent payments.The CVV number is the last 3 digits printed on the signature strip on the back of the credit card. Requiring the card holder to enter this number when making a payment increases the probability that the person making the payment has physical possession of the card at the time of making the payment.

The SecurePay CVV service is available on all SecurePay, eSec and Direct One integrations.

Call our Sales team on 1300 786 756 to activate CVV on your payment gateway facility.

FraudGuard

Get a better idea of who it is that is buying from you. The SecurePay FraudGuard service will check each payment for:-

• has the card been black listed?
• does the source IP address of the customer's web browser correlate to the BIN range number of the card?
• does the customer's delivery address correlate to the card holder's address (where country privacy laws enable address verification)
• does the customer's billing address correlate to the customer's delivery address

The SecurePay FraudGuard Service is available with the Secure XML API Integration and the Secure Java API Integration.

Call our Sales team on 1300 786 756 to activate FraudGuard on your payment gateway facility.