Products & Services

BuyerAuth™

Payment Processing, Inc was the first payment gateway to fully integrate Buyer Authentication (also known as Payer Authentication) into its payment platform. BuyerAuth encompasses MasterCard SecureCode, Verified by Visa and JCB J/Secure; the most advanced security technology available to protect merchants and consumers against Internet fraud.

BuyerAuth protects the merchant and their customer against fraud during an online purchase, through a secure PIN code that is entered by the customer along with their credit card information. The PIN is an electronic signature that verifies the customer's identity.

BuyerAuth supports credit card industry initiatives to reduce the incidence of online fraudulent transactions and create a basis for guaranteed payments to Internet merchants.

Merchants That Will Benefit From BuyerAuth

PPI BuyerAuth is ideal for merchants that:

• Sell products online through a website and custom shopping cart using one of our DevConnect payment APIs

Features

• 24.7.365 Toll-free live merchant technical support.
• Buyer authentication technology provided by Cardinal Commerce, a leader in online security.
• Cardinal's authentication technology has been seamlessly integrated into our payment platform:
  • Integrated into DevConnect payment APIs.
• Automatically prompts buyer to enter authentication code at time of purchase.
• Provides an opportunity for cardholders to register their credit card with the card issuer in the applicable program (MasterCard SecureCode, Verified by Visa or JCB J/Secure) at time of purchase.
• Cardholder can register their card without having to visit another site or call the card issuer.
  

Benefits

• Increases revenue by heightening consumer confidence with the enhanced security and fraud protection offered by MasterCard SecureCode, Verified by Visa and JCB J/Secure.
• Guaranteed Payment on all Visa transactions.
• Guaranteed Payment on fully authenticated MasterCard transactions.
• Chargeback blocking on domestic transactions.
• Depending on the processor and merchant account provider, merchants may also benefit from the following:
  • A significantly lower discount rate on BuyerAuth authenticated transactions, thus increasing profit margin.
  • A liability shift away from the merchant to the card issuer, reducing costly charge-back fees.
• Cardholder can register their card without having to visit another site or call the card issuer.
• Consumers pay lower prices for purchases due to a reduction in fraud costs.

To understand how a buyer authenticated transaction works, please view the Verifed by Visa Demo (link opens new window).

Fraud and Security Protection

Payment Processing, Inc provides the best available security technology with 128-bit SSL (Secure Sockets Layer) encryption and fraud detection using AVS, CVV2, CVC2 and CID verification services. For more security information please visit Security.

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