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.

1. Click here to read how Verified by Visa works and to view a demo
2. Click here to review Verified by Visa FAQs