ICBA Bancard has partnered with Visa and CardinalCommerce to offer CardinalCommerce VCAS, a card-not-present (eCommerce) authentication solution that assists in measuring the fraud risk of eCommerce transactions prior to authorization.
CardinalCommerce VCAS delivers the intelligence community banks need to reduce fraud and false declines, while limiting friction for a better cardholder experience.
Thanks to connected devices, digital transactions are on the rise (but so too, is fraud and declines of legitimate card-not-present transactions). CardinalCommerce VCAS is a risk-based solution that works behind the scenes to evaluate each transaction based on data from Visa, the merchant and the issuer. CardinalCommerce VCAS uses information, including but not limited to transaction profiles, geo-location, device and session information, to score each transaction thereby reducing fraud and false declines.