3DS 2.0 Card-Not-Present Authentication Solution
ICBA Bancard, in partnership with CardinalCommerce, offers a card-not-present (eCommerce) authentication solution free of charge to community banks (minus network pass-through fees) that participate in the Fraud Loss Protection Plan (FLPP). This consumer authentication platform, CardinalCommerce VCAS,
assists in measuring the fraud risk of eCommerce transactions prior to authorization. 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 nn-boarding Guide are available below, along with the forms that are required for submission to the respective card networks. The instructions document provides relevant notes for completing for each section. The On-boarding Guide provides more in-depth details on terminology related to authentication overall, as well as terminology related to the forms. If you have 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: