Payer Authenication

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Verified by Visa / MasterCard Secure Code

The Verified by Visa (VbV) and MasterCard® SecureCode™ (MCSC) programs aim to increase consumer 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.

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.

Payer Authentication benefits:

• Reduce Fraud - Protect your business against fradulent transactions
• Build Consumer Confidence - Protect your customer's identity
• Lower Per Transaction Costs - Lower your interchange discount rate up to 20 basis points
• PCI Compliance - Verified by Visa and MasterCard Secure Code are programs developed to help with PCI Compliance
• Merchants can register for the Payer Authentication service by accessing their Planetauthorize gateway account. For more information call SaleManager, toll free, at 1-800-918-4890.