New! 3DS 2.0 Card-Not-Present Authentication Solution
ICBA Bancard has partnered with CardinalCommerce to offer a card-not-present (eCommerce) authentication solution free of charge to community banks (minus network pass-through fees) that participate in our FLPP. This consumer authentication platform, Cardinal VCAS, assists in measuring the fraud risk of eCommerce transactions prior to authorization. For FLPP clients, this additional layer of protection is a mandatory requirement of participation and ongoing coverage in the Fraud Loss Protection Plan.
FLPP clients that operate their credit and debit card programs under ICBA Bancard’s shared-BIN(s) environment have been and/or will be automatically enrolled for the Cardinal VCAS solution.
Those FLPP clients that own their credit and/or debit card BIN(s) must grant permission via the card networks for ICBA Bancard to board your BIN(s) for authentication coverage.
Form completion instructions and an on-boarding guide are available below, along with the forms that are required for submission to the respective card networks. The instructions document provides relevant notes for completing for each section. The boarding guide provides more in-depth details on terminology related to authentication overall, as well as terminology related to the forms. If you have questions, please contact BC3DSecure_Support@icba.org.