Barzan Publishing uses NetCommerce payment gateway to provide complete, simple and secure online payment services with real time credit card transaction validation.
NetCommerce implements the latest 128-bit SSL (Secure Socket Layer) secured from Verisign on all its payment pages and data communication. All the Data exchange between the client browser and NetCommerce payment gateway is encrypted.
What Credit Cards Does NetCommerce support?
NetCommerce supports today Visa and MasterCard and was among the first 100 hundred payment gateways worldwide to have adopted and implemented latest Verified by Visa and secure by Master Card security protocols for the most advanced online e-payment security. NetCommerce will very soon support American Express as well.
Is NetCommerce more secure than other Payment Service Providers?
Yes – NetCommerce uses secure servers throughout. NetCommerce contains a number of features designed for e-commerce security across the Internet. Combined, these features make NetCommerce many times more secure than other "distant" users of a credit card, such as telephone or mail order and of course, its competitors. NetCommerce adopts stringent security measures to ensure that critically sensitive information, such as your customer´s personal information, is protected.
Verified By Visa and Master Card Secure Code
NetCommerce have adopted and implemented latest Verified by Visa and Secure by Master Card security protocols for the most advanced online e-payment security.
The Verified by Visa and MasterCard Secure Code are credit card security protocols for cardholder´ identity authentication. It has been designed to increase consumer and merchant confidence in electronic commerce and to reduce transactions disputes, thereby contributing to the growth of online sales.
Those VbV and Secure Code are based on a certification requested from and given by the bank issuer through the acquiring bank. The e-payment is directed to the bank issuer and the cardholder is prompted to enter a pass code serving as an online signature for web purchase. The pass code is exclusively known by the cardholder and its purpose is to authenticate that the party using the credit card online is the cardholder in person.
What is Verified By Visa?
Verified by Visa protects an online shopper’s existing Visa Card number with a personal password, giving them reassurance that only they can use their Visa Card online. By accepting Verified by Visa authenticated transaction, merchants can absolve themselves of fraud liability, including the related costs, lost of inventory and financial penalties.
What is Secure Code?
Master Card Secure Code was designed to go right to the heart of today’s online security concerns. With this solution, cardholders are able to authenticate themselves to their issuer through the use of a unique personal code. Master Card Secure Code requires cardholder to enter their special code in a separate browser window before the transaction can be authorized. Use of this unique personal code gives cardholders the added peace of mind that comes with knowing that no one else has access to their Secure Code
Authorization by Secure Gateways
All your customers´ credit card Authorization is done using NetCommerce Secure Payment Gateways. Your customers enter all their credit card details on the secure servers NetCommerce uses industry-standard SSL (Standard Sockets Layer) Technology, which is used worldwide, for this data encryption.
Authentication by Verisign
NetCommerce is registered with Verisign, the world´s best and most trust worthy Net Authentication Agency NetCommerce also follows strict in-house security guidelines for ensuring confidentiality of your customer information. Since the Payment Gateway application software is maintained at NetCommerce secure high-end servers, new payment technologies, standards and features are automatically implemented as they emerge. NetCommerce payment gateway is integrated with risk management component, which empowers them with the ability to control risk effectively. So, without changing your interface, you get the benefits of the latest technologies, which allow you to stay ahead in the rapidly changing landscape of E-commerce.
Added security with the CVM Authentication Process
What is Card Verification Method (CVM)?
The Card Verification Method, or CVM, consists of a 3 or 4-digit numeric code that is printed at the back of the credit card along with (after) the credit card number, where the cardholder signs in his signature on the card. This additional 3 or 4 digit numeric code is neither embossed on the card nor available in the magnetic stripe. This additional 3 or 4 digit is code is featured / incorporated on all Master Cards and Visa cards issued worldwide. Visa calls this security feature as CVV2 and Master Card calls it as CVC2.
Why CVM?
The purpose of CVM is to ensure that the person submitting the transaction is in possession of the actual card, since the code cannot be copied from charge slips / receipts or skimmed from the magnetic band. NetCommerce requests your customer to provide this numeric code for your order and submits it with the authorization through the gateway. The card processor (i.e. Visa or Master Card) will then validate the code supplied with the number on record for the specific card, and return a match/no-match response.
Keeping your customers secure
According to a Gartner Group survey, 98% of the credit card numbers that the hackers / fraudsters are able to collect, are through charge slips thrown away by retailers / restaurants / shopping malls etc., and this slip contains the card holder´s name, the 15 or 16 digit credit card number and the expiry date. This extra 3 or 4 digit numeric code is not printed anywhere in the charge slip. Therefore the hackers / fraudsters cannot use these credit card numbers on CVM-validated transactions.
World Wide statistics have shown that fraud rates on transactions with verified CVM codes have been significantly lower than those for transactions without CVM (fraud rates on CVM-validated transaction are reportedly 90% lower than those for non-CVM transactions).
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