Powerful Fraud And Data Management At Your Fingertps


“First Atlantic
Commerce (FAC)
powers payments for
Internet companies
around the world,
offering them a range
of international direct
merchant accounts
with banks in key


AVS is also available as a standalone service. Ideal for global merchants looking to pre-screen their consumer transactons prior to processing the full card transacton, the service provides Address Verifcaton on North American cardholders.

Merchants are not required to obtain a merchant account nor incorporate in a partcular jurisdicton in order to register for FAC’s consumer authentcaton services.

FAC’s AVS service is available to merchants as an anonymous address match check for Visa and submited without an authorisaton request so the cardholder’s card is not authorised. (MasterCard requires a $1 authorisaton.)

Merchants also have the opton to combine AVS+CVV2 to obtain both an AVS score and the CVV2/CVC2/CID match check, and this can be obtained either with or without a card authorisaton request.

AVS-Only can be set-up to run alongside a merchant’s existng gateway service (ideal for global merchants who are currently unable to obtain this service via their existng gateways).

Set-up is fast and easy and this service is available to most merchant types.

3-D Secure™ Payer Authentcaton Solutons

cGate®SecureVerify is a fully compliant payer authentcaton soluton for Verifed by Visa and MasterCard®SecureCode™ designed to protect internatonal online merchants from fraudulent transactons.

Based on the Card Associatons’ 3-D Secure™ technology, cGate®SecureVerify provides verifcaton to Internet merchants that the buyer is the authorized owner of a card account, thereby reducing the number of unauthorized payments, resultng in fewer chargebacks.

Both Visa and MasterCard ofer chargeback liability shif for fraud related chargebacks when transactons are authentcated through Verifed by Visa or MasterCard®

We can ofer 3-D Secure™ as a standalone service or bundled in our payment services.

The advantage of 3-D Secure™-Only is that the merchant has the ability to identfy the enrolment status of both the cardholder and their issuing bank prior to the payment authorisaton. This allows merchants to predetermine their chargeback liability shif rights on the pending transacton before it is authorised and setled.

Transaction Screening Services

FAC provides merchants with various risk tools including Bin Blocking, Card Blocking, Transacton Data Monitoring, Manual Purchase History Reviews, Transacton Value Caps and Volume Limits.

FAC also works with a third party risk scoring system that provides maximum protecton for some of the world’s best known companies. Hundreds of variables are analyzed to give the merchant a clear picture of the risk associated with each transacton.

How To Become A client of FAC

Contact our business development team today:
info@fac.bm or contact Chris Burns, CEO:
cburns@fac.bm | tel: 1 441 294 4622


First Atlantc Commerce (FAC) powers payments for online companies around the world, ofering them a range of internatonal direct merchant accounts with banks in key jurisdictons.

Our range of payment solutons help our customers expand into new geographies via a single integraton and a range of card brands including Visa, MasterCard® and American Express, along with Ukash and alternatve payment methods such as online cash payments, voucher based services, eWallets, banks transfers and prepaid cards.

In additon to our global payment solutons, online merchants can choose one or all of our fraud and data management solutons including North American Address Verifcaton Services (AVS), Card ID Verifcaton, Verifed by Visa® and MasterCard® SecureCode™, and enterprise-wide transacton screening services. These services are available together with our payment solutons or as standalone, unbundled services.


AVS & Card ID Verification

North American Address Verifcaton Services (AVS) and Card ID Verifcaton (CVC), including CVV2 for Visa, CVC2 for MasterCard and CID for American Express, is available for our online merchants to apply as part of their order screening process.

With our service, merchants can automatcally screen and process transactons through our platorm in real-tme, empowering them to act immediately, if need be, to manage possible Card Not Present (CNP) fraud.

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, while CVC validates the security code found on the back of the credit card.

AVS and CVC allow for pre-screening of consumers prior to processing the transacton, which is a key component of fraud control.


“cGate®SecureVerify is a fully compliant payer authentication solution for Verifed by Visa and MasterCard®SecureCode™ designed to protect international online merchants from fraudulent transactions.”



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