Payer Authentication

Verified by Visa® / MasterCard Secure Code™

The Verified by Visa® (VbV) and MasterCard® SecureCode™(MCSC) programs aim to increase MasterCard Secure Code / Verified by Visaconsumer confidence in online shopping and reduce fraud. To encourage VbV/MCSC adoption, Visa and MasterCard offer significant merchant benefits including: Fraudulent chargeback protection (per the rules of Visa and MasterCard) even on non-enrolled cards, interchange discounts averaging 20 basis points per transaction, dramatic reduction in the fraud screening costs/manual review and expanded internationally with protection.


Simply put, Payer Authentication is validation that the online shopper is the cardholder. Merchants participating in the programs are helping to fight identity theft and consumers become more inclined to continue shopping at these secure websites.


How it Works


In order to use the Planetauthorize Payer Authentication service the merchant must use QuickClick or the Planetauthorize Three Step API. The Planetauthorize Three Step Redirect API applies a three step methodology where sensitive credit card information is transmitted directly to the payment gateway through an end-to-end Secure Sockets Layer (SSL) connection, bypassing the merchant's server and payment application. Planetauthorize's Three Step Redirect provides a solution to ensure secure data transmission by keeping merchants from seeing, touching, handling, transmitting, or storing any sensitive payment details.


Key Features

  • CertifyPCI Streamline the PCI Certification process - Ensure your business is compliant with the PCI Standard in minutes

  • CertifyPCI PCI Compliant Network Scan - Our scanning technology studies your site from a hacker’s point of view to detect any open doors that could lead to a data breach.

  • payer authentication Reduce Chargebacks - Merchants utilizing Payer Authentication are afforded more protection against chargebacks

  • payer authentication Build Consumer Confidence - Protect your customer's identity

  • payer authentication Lower Per Transaction Costs - Lower your interchange discount rate up to 20 basis points

  • payer authentication PCI Compliance - Verified by Visa and MasterCard Secure Code are programs developed to help with PCI Compliance

    payer authenticationLower Fraud Screening and manual review costs - Merchants spend less time and money reviewing suspicious transactions

    payer authentication Expand Internationally - Merchants can increase business in foreign markets with less risk

Get Started!

Planetauthorize payment gateway is a leading payment acceptance system. Our payment service is secure, fast and reliable. To get started with the Planetauthorize payment gateway service Contact Us or call SaleManager, toll free, at 1-800-918-4890. Our knowledgeable payment specialist can tailor a payment solution specific for your unique business.


Value Added Showcase

The Planetauthorize E-Invoice Manager allows merchants to bill their customers without having a website.

To get started with a Value Added service simply access your Planetauthorize payment gateway account and select the requested service from the navigation menu. You may also contact Planetauthorize to activate service.

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Data Security & Threshold Management

Protect Your Customers and Your Business from Fraud

Planetauthorize offers a suite of security and control value adding services. Our security and control value added services provide the merchant with the industries most advanced security measures. A complete list of security and control value added services are listed to the right under Security & Control add-ons.

iSpyFraud Threshold Management

The Planetauthorize security and control add-on services include multiple filters and tools that work together to evaluate transactions for indicators of fraud. Our iSpyFraud service is a powerful and highly effective defense against fraudulent transactions. In addition to the transaction filters, the Planetauthorize iSpyFraud service also offers Velocity & Location Filters so merchants have complete control over their transactions. The Daily Velocity Filter allows you to specify a threshold for the number of transactions or transaction amount allowed per day, a useful tactic to identify high-volume fraud attacks.

Securely Store Customer Payment Information

Quite often merchants have a requirement to store customer payment data. However, the security risk of storing customer data can be costly. The Planetauthorize Customer Vault service empowers merchants with the ability to securely store encrypted customer payment data on our PCI Compliance servers, removing the security risk from the merchant.

Protect Cardholder Data with Merchant Defender

The Merchant Defender suite includes everything you need to take yourself out of the loop of having to protect cardholder data and virtually eliminates the burden of PCI compliance.


Merchant Defender eliminates clear text credit card information from a merchant's environment, regardless of their processing method. Merchant Defender will remove your network completely from handling any sensitive payment data. No matter what type of transaction processing used, clear text credit card data will never be transmitted nor stored on your network and devices. By ensuring that every interaction is completely secure, you can rest at ease knowing that if an intruder is sitting on your network, they have no access to any sensitive credit card data.

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