Fraud Loss Protection Plan

As a participant in ICBA Bancard’s Fraud Loss Protection Plan, you can limit your exposure for losses arising from the fraudulent use of credit or debit cards.  For more than two decades, ICBA Bancard has provided a proven fraud tool for community banks to use in the fight against:

  • Lost Cards
  • Stolen Cards
  • Cards Not Received in the Mail (NRI)
  • Counterfeit (including Skimmed Counterfeit Cards)
  • Account Takeover Card Loss (including Identity Theft, Phishing, Pharming and Vishing

ICBA Bancard’s Fraud Loss Protection Plan coverage does not extend to:

  • Fraudulent Applications
  • Loan Losses
  • Bankruptcies
  • Family/Friendly Fraud

ICBA Bancard Fraud Claims Reporting System

ICBA Bancard converted our fraud claims tool to a new solution. This system allows FLPP participants to quickly and accurately upload your fraud claims, review the status of any pending claims, and view and print all related fraud claim information in one convenient location.

New! 3DS 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 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 networks. The instructions document provides noted highlights 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

Register to attend a webinar on one of the dates below that will explain more about the service and describe how the onboarding process will work.



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