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Fraud is a fact in this day and age. Especially with the birth and growth of the online purchase, but not all fraud is limited to the card-not-present transaction. We have to be careful of full-blown identity theft as well as credit card number theft. Consumers are very concerned about someone obtaining their credit, debit or check card numbers, and with good reason. But new fraud-protection services offered by Merchant Processing are helping to decrease the incidence of identity theft and credit card fraud.
Learn more about how Merchant Processing can help you protect yourself and your consumers from fraud: |
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Fraud Protection and detection for card-not-present transactions
Fraud Protection in card present (point-of-sale) transactions
Card Brand Data Security |
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Reduce losses and increase sales |
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Purchases of goods and services by mail, telephone, and Internet are increasing. It's fast and easy, but is it safe? That's typically the question both merchants and consumers ask. Merchants want tools and resources that confirm transactions are legitimate. Consumers want assurance that their account information is being guarded.
As the nation's leading processor of ecommerce and direct marketing payment transactions, Merchant Processing understands the nuances of potential transaction fraud. We have made it our business to become fraud management experts and we put our knowledge to work for our merchants, delivering powerful products and offering third-party fraud solutions. |
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Fraud Management Solutions: |
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Address Verification Service (AVS) - Helps reduce the risk of accepting fraudulent transactions by verifying the cardholder's billing address on file with the card issuer.
Card Security Verification - Compares the card security value, non-embossed 3- or 4-digit numeric code on the credit card, with the issuer's value on file. Credit card verification programs are offered by the major card associations and are known as CVV2 (Visa), CVC2 (MasterCard), CID (American Express) and CID (Discover Card).
Credit Card Authentication - Verifies a cardholder's account ownership during an online purchase. With Verified by Visa (VbV) and MasterCard SecureCode, consumers are assured that using a bankcard online is as safe as using it at a local merchant.
Transaction Scoring - Analyzes relationships between various data fields to identify suspicious orders and to distinguish in real-time the probability of fraudulent transactions.
Identity Authentication - Operates like a virtual "card present" environment by performing real-time authentication of a purchaser's identity using proprietary databases.
Age Verification - Uses an international database of government-issued identifications to instantaneously verify age and identity online.
Card Brand Data Security - Compliance with the Visa and MasterCard data security programs (CISP and SDP) protects your cardholder data and reduces fraud. |
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We can help you protect your business against unnecessary losses.
While the rate of fraudulent transactions, which occur in the card present environment, is generally low, we understand that any loss impacts your bottom line. To assist you in protecting your business against unnecessary losses from fraud and chargeback's, we offer the following products and services. (Please note that, while not all of the products and services listed below are available to or appropriate for all of our merchants, the helpful tips and tricks are available to everyone. |
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Online Reporting |
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Timely access to your transaction data allows you to quickly identify trends that might be indicative of fraudulent activity or improper operating procedures. We can help you identify transactions and trends, which may indicate a need for corrective measures company-wide or at an individual location. |
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Card Brand Data Security |
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Compliance with the card association security programs is not only required, it makes good sense. Protecting your cardholder data means protecting your customers from fraud and maintaining a sound business reputation - two critical components of success in today's marketplace. |
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Online Chargeback and Retrieval Response |
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Receive chargeback's and retrievals electronically and monitor the process through fulfillment. With the addition of a scanner, you can even respond to retrieval requests right from your PC. Timely response will ensure that you do not receive a chargeback for lack of response to a retrieval request. |
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State-of-the-art POS Equipment |
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From support of AVS and CVV2/CVC2 to duplicate card checking, last-4 digit entry and password protection of key functions, our POS equipment options offers the latest technology to help protect your business from both internal and external fraud. |
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Authorization Services |
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Protect yourself at the point of sale by receiving an authorization response at the time of the transaction. Merchant Processing supports redundant processing systems to ensure that the issuer's authorization is passed to you as quickly as possible. |
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Check Verification |
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If you accept checks at the point of sale, add a level of protection with check verification or check guarantee. You can even process credit cards and checks on the same device with an Eclipse. If you are a current merchant, contact customer service to find out more. If you are not a merchant and would like to discuss available options, please contact sales. |
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Customer Service and Chargeback Support |
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Our experienced customer service representatives and chargeback specialists can answer your questions about fraud and assist you in responding to any chargeback's you do receive. Contact customer service online or give them a call at the number found on your most recent merchant statement. |
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Merchant Help Center |
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Merchant Processing's Help Center is an online resource designed to provide you with helpful information to get the most from your merchant services account. You'll find lots of tips on reducing fraud and chargeback's and answers to many questions about payment processing in general. |
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