Detect eCommerce Fraud Risk Prior to Authorization

ICBA Bancard, in partnership with CardinalCommerce offers a card-not-present (eCommerce) authentication solution that assists in measuring the fraud risk of eCommerce transactions prior to authorization. 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. For FLPP clients, this additional layer of protection is a mandatory requirement of participation and ongoing coverage in the Fraud Loss Protection Plan.  

Important note for FLPP clients:

FLPP clients that operate their credit and debit card programs under ICBA Bancard’s shared-BIN(s) environment will be automatically enrolled for 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. 

Form completion instructions and an Onboarding Package are available below. Certain forms are also required for submission to the respective card networks. To request copies of these forms, and if you have any questions, please contact

Presentation slides

Whether you are a BIN-owned or shared-BIN bank, these slides will provide an overview of the CardinalCommerce solution available through ICBA Bancard, including on-boarding instructions for banks that own their BINs.

Instructions for both Mastercard and Visa Issuers:

Benefits of the Card-Not-Present Authentication Solution via ICBA Bancard

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
  • Monthly cost covered for plan participants (minus associated card network pass-thru files)
  • Hosted and managed under a global rules strategy

Get Started

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