Fraud Loss Protection Program

Recuperate fraud losses with ICBA Bancard’s exclusive fraud protection tool



As a participant in ICBA Bancard’s Fraud Loss Protection Plan, you can mitigate your exposure to losses arising from the fraudulent use of credit or debit cards. For more than two decades, ICBA Bancard has offered this card risk option as a proven and exclusive client benefit 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)

  • e-Commerce Fraud

Want to learn more? Contact ICBA Bancard’s Risk Team at 800-242-4770 or fill out the Information Request Form below.

Is your question related to ICBA Bancard’s Fraud Loss Protection Plan (FLPP)?

Consulting with a Couple

ICBA Bancard Contact Information

Phone: 800-242-4770

Fax: 202-659-3606

Client Relations Dept: [email protected]

Fraud Dept: [email protected]


EMV  3-D Secure Authentication Solution from CardinalCommerce



CardinalCommerce for ICBA BancardICBA Bancard has partnered with CardinalCommerce to offer a card-not-present (eCommerce) authentication solution that assists in measuring the fraud risk associated with eCommerce transactions prior to authorization.

The CardinalCommerce VCAS (Visa Consumer Authentication Service) platform delivers the intelligence community banks need to reduce fraud and false declines, while limiting cardholder friction for a better e-shopping experience. EMV 3-D Secure provides an additional layer of security for online transactions before final authorization.

ICBA Bancard clients that participate in the Fraud Loss Protection Plan (FLPP), are also eligible to participate in Cardinal’s card-not-present (eCommerce) authentication solution free of charge.

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) platform.

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 [email protected] or call 800.242.4770 and ask for the Risk Department.

Clients that do not participate in FLPP can elect CNP authentication at a discounted cost.