Stop eCommerce fraud before it happens with this authentication solution

Contact ICBA Bancard
Tel: 800-242-4770
Email: [email protected]

3-D Secure Card-Not-Present Authentication Solution


ICBA Bancard, in partnership with CardinalCommerce, offers a 3-D secure card-not-present authentication solution that assists in measuring the fraud risk of e-commerce transactions prior to authorization. It utilizes data from Visa, the merchant, and the issuer. Data includes, but is not limited to transaction profiles, geo-location, device, and session information, to score each transaction, thereby reducing fraud and false declines.

This authentication service is free to ICBA Bancard’s Fraud Loss Protection Plan (FLPP) clients. Great discounts are also available for banks who do not participate in FLPP.

Benefits of Card-Not-Present Authentication Solution

For Fraud Loss Protection Plan Participants

  • Authentication service is a free benefit for plan participants
  • Monthly cost covered for plan participants, minus associated network pass-thru fees
  • Unique client-funded liability waiver program designed to mitigate card losses
  • Hosted and managed under a global rules strategy

For Non-Fraud Loss Protection Plan Participants

  • ICBA Bancard has negotiated favorable pricing and service levels for community banks (contract terms available upon request)
  • Option to participate under global rules strategy or self-manage rules and strategies
Online shopping with credit card


Get Started with Card-Not-Present Authentication Solution

A dedicated ICBA Bancard representative will contact you to discuss your needs and identify the best solution for your bank.