Fraud Prevention: Verified by Visa and MasterCard SecureCode transaction process

In a 3D secure transaction, your customers must first register for VbV or MSC with their issuing bank. If they do not register before ordering online, the first time they order from a merchant who supports VbV or MSC they will be asked to register their card before continuing with the transaction.

When shopping online at a site that supports the schemes, the customer will complete their order and add products to their shopping cart as usual.

At the checkout stage, the customer will select to pay by Visa, Visa Delta, and Visa Debit or by MasterCard or Maestro and a pop-up box will appear from their issuing bank to request that they enter their PIN number.

The bank will verify the PIN number and the transaction will continue as normal.

Once the customer has been verified, you will not be liable for a chargeback if the customer later denies the transaction.

You can still choose to accept a transaction that has not been verified, but you then accept the liability of the transaction yourself.


How to add Verified by Visa and MasterCard SecureCode to your Protx account

Please follow the set up process described below depending on where your merchant account is held.

Lloyds TSB Cardnet, Bank of Scotland, NatWest Streamline and HSBC merchants who would like to use VbV and MSC should take the following steps:

1. Upgrade to Protocol 2.22: VbV and MSC will not work with any older version of our system. If you are using a shopping cart, please check that your cart supports Protocol 2.22.
2. E-mail support@protx.com and we will register your business to use VbV and MSC. There is no need to contact your bank. Protx support will let you know once your merchant account has been set up for VbV and MSC.

Barclays Merchant Services merchants who would like to use VbV and MSC should take the following steps:

1. Upgrade to Protocol 2.22: VbV and MSC will not work with any older version of our system. If you are using a shopping cart, please check that your cart supports Protocol 2.22.
2. Contact Barclaycard Merchant Services to request that your Merchant account is set up for use with 3D Secure. To do this please call Barclaycard Merchant Services customer service centre on Tel: 0870 60 600 60. Please make sure that you have your Merchant number to hand when you call this number. You will need to request that 3D Secure is set up on your merchant account for use with Protx. Please be aware that BMS may charge for 3D Secure to be set up on your account.
3. As soon as BMS have set up 3D Secure on your Merchant account, you will receive an email from their Ecommerce Support team to inform you of your Visa and MasterCard registration details for 3D Secure. You will need to forward this email to support@protx.com as soon as you receive it.
4. We will then set up your Protx account for use with 3D Secure. As soon as 3D Secure has been set up on your account you will receive an email from Protx Support to inform you of your next steps.

If you would like further information about how 3D Secure checks are carried out, please visit our support website.

For further information about these schemes please click on the icons below:


http://www.visaeurope.com/personal/onlineshopping/verifiedbyvisa/main.jsp



http://www.mastercard.com/securecode/