ICBA Bancard, in partnership with CardinalCommerce, offers a 3-D secure card-not-present authentication solution that assists in measuring the fraud risk of e-commerce transactions prior to authorization. It utilizes data from Visa, the merchant, and the issuer. Data includes, but is not limited to transaction profiles, geo-location, device, and session information, to score each transaction, thereby reducing fraud and false declines.
This authentication service is free to ICBA Bancard’s Fraud Loss Protection Plan (FLPP) clients. Great discounts are also available for banks who do not participate in FLPP.