Verified by Visa

Protect Your Online Transactions

We encourage all our online merchants to implement Verified by Visa so that they can protect their international sales from fraudulent transactions.

cGate®SecureVerify

Our cGate®SecureVerify is a fully compliant, Payer Authentication solution for Verified by Visa (and MasterCard®SecureCodeT). Based on the Card Associations' 3-D Secure™ technology, cGate®SecureVerify provides merchants and bank Acquirers with protection from fraudulent transactions, chargebacks, and unauthorized payments made through an eCommerce web site.

Worry-Free Transaction Processing For Online Merchants:

Improving the security of online payment transactions
Increasing both cardholder and merchant confidence in Internet purchases
Reducing disputes and fraudulent activity related to Visa payment cards

Worldwide Benefits Of 3-D Secure™ Solutions:

Merchants, Processors, ISOs and Acquirers all benefit from the 3-D Secure™ authentication service as the solution operates under a worldwide security and compliance standard. Cardholders worldwide enrol in Verified by Visa (and MasterCard®SecureCodeT), so that they can authenticate each and every online purchase they make.

Merchant Benefits:

Simple set up - no software to purchase, no merchant "plug-in" to install
Immediate access to Verified by Visa once enrolled by the Acquirer
Protection from consumer fraud losses, unauthorized transactions and disputes
Chargeback liability shift for certain reason codes
Increased consumer confidence leading to increased sales
Age validation for restricted web sites
Increased card acceptance over other payment methods - increased sales!
Lower transaction costs - allowing for more competitive product pricing
Greater income potential from reduced transaction costs and chargeback penalty fees
Verified by Visa programme benefits, marketing and support

Acquiring Bank Benefits:

Better and cheaper than chargeback insurance!"
Immediate reduction in interchange costs for 3-D Secure™authenticated eCommerce transactions - up to 50 basis points savings on 3-D Secure™transactions - even attempted Visa 3-D Secure™transactions!
Immediate reduction in credit risk, disputed transactions, chargebacks, exception handling expenses, and portfolio losses
Immediate reduction in back office costs and administration relating to retrieval requests, dispute handling, chargeback investigation and lengthy presentment cases
Fast and easy enrolment - no MPI software to purchase - installation and certification are completed on your behalf!
Reduced capital expenditure in relation to other fraud management and detection services/software
Guaranteed liability shift from acquirer to issuer for certain chargeback reason codes - check with your regional country representative for a list of valid chargeback liability shift conditions as these vary by region.

Processor And ISO Benefits:

Long term retention of 3-D Secure™compliant merchants with Acquiring bank(s)
Immediate reduction in disputed transactions, chargebacks, exception handling fees, and portfolio losses
Immediate reduction in penalty fees and fines associated with high risk merchant transactions
More negotiable discount rates for 3-D Secure™mauthenticated eCommerce transactions - immediate savings across the acquiring business portfolio
Fast and easy enrolment - no MPI software to purchase - installation and certification are completed on your behalf by our team!
"Pay as you Go" enrolment model - register one, some, or all, of your entire portfolio!
Processors and ISOs can decide which merchants to set up for 3-D Secure™
Guaranteed liability shift for certain important chargeback Reason Codes
Reduction of high risk merchants from the Global Chargeback Monitoring Programmes
A more competitive eCommerce service to attract net new merchant business
Overall improvement in merchant portfolio and profitability.

To find out more, please contact us. Or simply apply online.