Card-Not-Present Authentication Solution
ICBA Bancard, in partnership with CardinalCommerce, offers a card-not-present (eCommerce) authentication solution free of charge to community banks (minus network pass-through fees) that participate in the Fraud Loss Protection Plan (FLPP). This consumer authentication platform, CardinalCommerce VCAS, reduces fraud and false declines, while limiting friction for a better cardholder experience. For FLPP clients, this additional layer of protection is a mandatory requirement of participation and ongoing coverage in the Fraud Loss Protection Plan.
Enrolling your BINs
FLPP clients that operate their credit and debit card programs under ICBA Bancard’s shared-BIN(s) environment will be automatically enrolled in the CardinalCommerce Visa Consumer Authentication Service (VCAS) .
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. To request copies of the Onboarding Package and other required forms to complete this process, please email BC3DSecure_Support@icba.org or call 800.242.4770 and ask for the Risk Department.