Verified by Visa and MasterCard SecureCode

B+S Security Procedures in E-Commerce (3D-Secure)

Verified by Visa (VbV) and MasterCard SecureCode (MSC) provide the authentication of the cardholders and protect them from card fraud in the internet.

For payments with credit- or Maestro-cards, the customers are automatically directed to a secure site of the card-issuing bank.  On this site, the customer confirms the payment by entering a password or a PIN.  It is not until then, that the payment is actually being authorised online.  A payment return by the client with the argument "transaction not completed" (liability shift) will then no longer be possible.

This applies also, where your client and his bank do not participate in the security procedures VbV or MSC - currently worldwide for private credit card payments; for business- and commercial credit cards: Europe-wide.  In this case, the card-issuing bank bears the risk, since you – as merchant – offer the highest possible level of security to the customer.

Advantages for the Merchant

• Protection against card fraud.
• Reduction of eligible chargebacks with the argument “transaction not completed”.
• Increase of payment security.
• Easy integration of the merchant plug-in for the secure data transfer to the specific card organisation or respectively card-issuing bank.

Advantages for the card holder

• The purchase with credit card can now only be authorised in connection with a password.  Should the cards or card data be stolen, they can no longer be used for an e-commerce transaction without knowledge of the password as well.
• A merchant offering VbV and MSC can be listed as reliable.

Requirements for the merchant 

• E-payment software with 3D-Secure-functions, e.g. B+S allpos or Sparkassen-Internetkasse (currently for credit cards, Maestro will follow shortly).
• Payment Service Provider with VbV and/or MSC certification.
• Agreement on Card Acceptance Contract with B+S Card Service for VbV and MSC.
• Activation of the merchant plug-in use through the Payment Service Provider.
• Implementation of the 3D-Secure-functions in your web-shop (only for CAI-use).
• Notification to the Payment Service Provider of the VbV- and/or MSC-contract data.
• Identification of the transactions in the e-payment software.
• Application of security procedures for every payment.
• For Maestro-payments: MSC activation for the contract partner, the cardholder and the card-issuing bank.