Solutions & Services

SafeCharge 3-D Secure

The objective of 3-D Secure is simple: to assure the merchant that the card issuer bank believes that it is the legitimate cardholder who is using the card to make the purchase. The issuer bank authenticates the cardholders by their password which is verified by the issuer. If the cardholder later denies the transaction, that is a matter for the issuer bank and the cardholder to resolve without involving the merchant.

Benefits for Merchants:

• 3-D secure can be readily integrated into existing e–commerce systems
• Real–time cardholder authentication at time of purchase
• Minimal impact on the existing checkout process
• Increased cardholder confidence leads to increased sales
• Substantially reduced rates of fraudulent transactions and chargebacks
• Improved profitability through increased sales and reduced costs