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.
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.