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Credit card fraud and chargeback protection with 3D-Secure at Click2Sell
Whether you are an experienced vendor or just starting out, you might already know that credit card companies and banks charge you $20-$30 or even more when one of your customers settles a claim for a credit card transaction made on your online store. Chargeback can easily hurt you in many ways: you lose money, you pay fines to the banks, credit card companies and the worst part is that you can easily get a vendor account closed! We, online vendors, sooner or later become known with the fact that only we are always responsible for credit card fraud on our websites. The Acquiring Bank isn’t, the Credit Card Issuing Company isn’t, the Payments Processor isn’t – only the Vendor is. So the only way for vendor is to try recognizing credit card fraud before the transaction settles and take all other security actions to avoid unpleasant disputes and hassle.
Do you want to protect yourself from fraud related credit card chargeback? Are you tired of paying fines to your vendor account’s bank for all unauthorized claims that your customers made saying that "they didn’t buy your product"? Would you like to reduce your vendor account charges (discount rate) even up to 2% by protecting yourself from credit card fraud? Just think how good it could be if you completely protect your online business from unauthorized claims and credit card chargeback! Think how great it could be if you never pay a dime again for a chargeback that your customers make. The best part is that by protecting yourself from fraud related credit card chargeback you can also lower your vendor account‘s fees up to 2%. Interested? If YES, then the following program is just for YOU!
Click2Sell introduces real credit card fraud protection: Verified by Visa, MasterCard SecureCode and JCB J/Secure programs!
What is Verified by Visa, MasterCard SecureCode and JCB J/Secure program?
Verified by Visa, MasterCard SecureCode and JCB J/Secure program is a special initiative run by major credit card companies: Visa, MasterCard and JCB. These programs protect vendors from fraud related chargebacks and help them save on costs related with fraudulent transactions and chargebacks that come along. Vendors who participate in this program are protected from fraud related chargebacks on all personal credit or debit cards worldwide and it doesn’t matter if the card holder (customer) is participating or not in Verified by Visa, MasterCard SecureCode or JCB J/Secure programs.
What are the benefits of Verified by Visa, MasterCard SecureCode and JCB J/Secure programs for YOU?
- When you process transactions using Click2Sell 3-D Secure feature, you will be 95%+ protected from the chargebacks.
- You are not liable for chargebacks that result from fraudulent unauthorized use of Visa, Mastercard or JCB cards.
- Fraud on your website is reduced since 3-D Secure protection saves you from unauthorized card use
- Even if chargeback comes later, you are no liable for it and you don’t pay a cent to your vendor account’s bank. No more $20-$30 bills everytime you receive a chargeback.
- Visa, MasterCard and JCB protects you in case of chargebacks
- Your customers enjoy a safer place to shop when they see Verified by Visa, MasterCard SecureCode and JCB J/Secure logos on your product’s checkout pages
- The transaction costs are reduced at least 0.5%, up to 2%! You can qualify for a lower transaction fees for your e-commerce transactions if you use 3-D Secure protection. So if you are paying 2% or 4% fee for your vendor account provider, you can easily reduce this cost up to 2%. This can save you thousands of dollars every month!
- When you participate in these 3-D Secure programs your customers and their transactions are safe.
- Expand the geographic reach of your business by selling to customers outside your country without worrying about possible fraud.
- Advertise your website for free and attract customers on the Visa and MasterCard consumer websites.
When you participate in Verified by Visa, MasterCard SecureCode and JCB J/Secure programs you can easily assure your customers that your online store and website is completely safe to shop. The benefit is clear: even if your customer is not enrolled in the program, they can still order your product and you are no liable for certain fraud related chargebacks.
What are the benefits for YOUR CUSTOMER when you are a member of Verified by Visa, MasterCard SecureCode or JCB J/Secure program?
Whatever card they use to purchase your products: Visa, MasterCard or JCB, they are confident that it is safe to shop on your website. Your customers doesn’t have to have any e-wallet or special software to process the order, they simply enter their card details on your product’s Click2Sell checkout form and they buy your product just like they are used to. Verified by Visa, MasterCard SecureCode and JCB J/Secure special logos are placed on a checkout page, so customers can check and ensure that your website is completely save and approved by their card issuers.
How does Verified by Visa, MasterCard SecureCode or JCB J/Secure programs work on Click2Sell?
- When you enable 3-D Secure protection on Click2Sell, then Visa, MasterCard and JCB security program logos are placed on your product‘s checkout page.
- Your customers enter credit or debit card details like they are used to and they click on ‘Buy button’.
- Click2Sell special software recognizes Visa, MasterCard or JCB credit card and prompts a password entry field to appear.
- Your customers have to enter their special password or unique personal code which they selected on Verified by Visa, MasterCard SecureCode or JCB J/Secure websites.
- After they enter the password, it is verified at Visa, Mastercard or JCB and the transaction is completed.
- If customers don’t have their Visa/MasterCard/JCB passwords, they can simply get them without leaving the checkout form or select „No, Thanks!“ option and the card payment still be completed.
It’s a very simple process and your customers aren’t distracted from buying. Regarding the survey held by Visa, more than 70% of customers surveyed told that they would be more likely to buy at a website that support Verified by Visa or other program. Whatever customers decide, you are protected from fraud related chargeback all the time.
Is it easy for my customers to order product when I use 3-D Secure protection on Click2Sell?
Yes, of course! Customers simply enter their private password code in an in-line window which is provided by their card issuer during a checkout process before a transaction is completed. Then Credit Card issuer validates and approves the transaction. Such purchase option works the same as a simple credit card payment option, validation and authorization takes only a few seconds, but those short seconds will protect you from chargebacks.
How much does it cost to get 3-D Secure – Verified by Visa, MasterCard SecureCode and JCB J/Secure protection programs working?
Click2Sell allows you to process transactions using a 3-D Secure transaction interface and participate in Verified by Visa, MasterCard SecureCode and JCB J/Secure programs completely free!
How to apply for a 3-D Secure – Verified by Visa, MasterCard SecureCode and JCB J/Secure protection programs?
Usually in order to participate in Verified by Visa, MasterCard Securecode and JCB J/Secure programs, vendors must implement a special MPI plug-in to support 3-D Secure protection. But Click2Sell provides you full 3-D Secure protection support for free – no need to install special software, no need to add plugins. Your Click2Sell checkout page is already enabled with 3-D Secure – just fill in your 3D-Secure protection data on your Click2Sell account and you will be ready to go. What to do in order to get this data?
- CALL your vendor account provider (for example Authorize.net, WorldPay, First Data, etc. and tell them that you want to have 3-D Secure protection working for you. They will provide you all required information and special vendor IDs to enter on your Click2Sell account 3-D Secure configuration page.
- Once you have vendor IDs from your vendor account provider CONTACT US and we will help you configure and enable 3-D Secure protection on your account.
- After these simple steps you will not only prevent credit card fraud and chargebacks, but also save on vendor account fees and boost more confidence to your customers to buy products on your website. And the best thing – Click2Sell provides you with 3-D Secure protection program completely free!
If you have any questions about 3-D Secure protection programs working for YOU, just contact us and we’ll solve the issue!