Do I Have To Establish A Merchant Account In Order To Obtain Your Online Fraud And Data Management Solutions?
It depends on the services requested. We leave this decision to the merchant. Our solutions are available as part of an integrated package, or on a standalone basis, for one, or all of these services including AVS, 3-D Secure™, Cardholder Account Confirmation and IP Geolocation.
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How Much Do I Pay For Your Fraud And Data Management Services?
There is no standard rate, and much will depend on whether you take a standalone service, or integrate these services into a direct merchant account solution. Pricing depends on many facets including established, and expected, monthly volumes. There is normally a per verification transaction charge.
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Are There Any Restricted Merchant Types?
Yes. We reserve the right to review each application on its merit, and to respond accordingly. Our business development team is happy to consider qualified requests for our standalone fraud and data management services. These include pre-authentication, 3-D Secure™ payer authentication, IP Geolocation and Cardholder Account Confirmation pre-screening services.
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Do I Have To Be An Established Internet Merchant To Apply?
No. We will review applications for our fraud and data management services, when taken as a standalone solution, from new Internet merchants.
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Do I Need To Incorporate To Obtain These Services?
No. If these services are taken as standalone solutions then they can run alongside your existing payment processing, and under your already established corporate set-up.
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Will I Need To Sign A Contract With You To Cover These Services?
Yes. Once pricing, volumes and terms are agreed, our business development team will send you a contract for review and signature, in duplicate.
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How Do I Pay For These Services?
By bank transfer or credit card. Our accounts department will provide you with all the necessary information once your contracts are signed with us.
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How Often Do I Pay For These Services?
Monthly on receipt of invoice.
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Can I Pay For These Services in Different Currencies?
Yes. Terms do apply, and these will be agreed in advance and covered in your contracts with us. The currency options for payment of our fees is US Dollars, Euros and British Pounds.
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Is User Training Available For These Services?
Yes. Our technical team works with each of our merchants to ensure adequate knowledge transfer and training ahead of the service going live.
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Do I Need To Integrate To Your Payment Gateway To Obtain These Services?
Yes. You need to integrate to our payment gateway for our standalone services.
If you choose to implement our third-party ethical data sharing solution with Ethoca, and want real-time results, then we would work with you to determine the simplest route for you obtaining cross-checks with Ethoca's shared and secure databases.
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How Do I Obtain Chargeback Liability Shift?
By implementing our payer authentication solution, cGate®SecureVerify. It is fully compliant for Verified by Visa and MasterCard®SecureCode™, which protects online merchants around the world from fraudulent transactions for certain chargeback reason codes.
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How Does 3-D Secure™ Work?
Both Visa and MasterCard offer chargeback liability shift for specific fraud related chargebacks when the transaction is authenticated (or attempted to be authenticated) through Verified by Visa or MasterCard® SecureCode™, via a certified payment gateway, and a 3-D Secure™ enrolled Acquiring bank.
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What Are The Benefits Of 3-D Secure™ To My Business?
- Provides Internet merchants with the ability to verify a consumer transaction through a secure, electronic, non "face-to-face" authentication process
- Enables all parties in an eCommerce payment transaction to transmit confidential and valid payment data
- Provides verification to the merchant that the buyer is the authorized user of a card account
- Offers immediate protection from fraud-related chargebacks ("I didn't do it" chargebacks).
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What Are The Benefits Of AVS To My Business?
AVS helps to screen fraudsters by comparing the billing address provided by the purchaser to the billing address on the cardholder's credit card statement.
Our standalone service, designed to help global Internet merchants mitigate cardholder chargebacks and credit card fraud, is called AV-yeS. The benefits and information provided as part of this solution arm merchants in their fight to maximize online sales, and reduce the negative impact on their businesses of unwanted transactions.
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What Are The Benefis Of Your IP Geolocation Solution To My Business?
Our IP Geolocation solution provides merchants with the ability to evaluate the risk of an eCommerce transaction based on the geography of the customer, enabling merchants to view the customer's location, identified by country, state (or province, region etc.) and city.
The data allows merchants to match the physical locations of customers placing orders with the given shipping addresses, and it can be used to automatically block customers from certain restricted countries, based on a merchant's risk profile, with screening carried out before an order is placed.
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To find out more, please contact us. Or simply apply online.
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