Shift the liability back to the bank with 3D Secure
100% Assurance that the person using the credit card is the card owner.   No questions.  No liability.

MPIware has now made world-class technology available to any merchant taking credit cards on the web.  Whenever your customer is entering their own card numbers, MPIware.com can pre-authorize their ownership of the card, providing you, the Merchant, with piece of mind.

History of Credit Card Processing on the Web
In order to reduce the risk of customer fraud in online transactions, credit card companies have developed payer authentication schemes that would enable online merchants to protect themselves and minimize their losses due to online credit card fraud. With 3-D Secure, merchants install a plug-in software module which is activated when a cardholder enters their card details. If the cardholder is enrolled in the "Verified by Visa" service, a window will appear on the cardholder's screen prompting them to enter a confidential authentication password.  Visa announced in September 2001 that online merchants who participate in "Verified by Visa" wouldx credit card fraud. For example, in May 2001, MasterCard announced its Secure Payment Application ("SPA") service, which combines a server based e-wallet and an applet downloaded onto the cardholder's PC to authenticate the cardholder.

MPIware.com developed a set of secure and simple to use procedures to allow any website to start verifying their transactions with Visa and MasterCard.   MPIware can be integrated into ANY Payment Gateway in the world that supports the new Verified by Visa data.   It is flexible to handle any configuration that you may want to use.

To start using this service, you need the following:-

• Website with the ability to accept credit cards

• A Merchant Processor (Payment Gateway) which has been approved by Visa

Integration Considerations
Integration is simple and already approved by our sponsoring bank.

You do not need to obtain certification from your bank or your payment gateway.   We have done that for you already*  The simplest way to see how easy it is to integrate is to create your account and follow the instructions.    It costs nothing to join and we give you your first 50 transactions absolutely for nothing.  And each transaction after that costs just US$0.40. It is hard to find better value.  Click here to join now.

Check out the Verified by Visa Online Shopping Demo

* Includes all payment gateways on our supported list.   More gateways are being added.   Please ask if yours is not listed.