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 BC3DSecure_Support@icba.org
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: