Chargeback Shield

Protecting You from Fraud

ChargeBack Liability Shift

We offer a card authentication service for Visa /MasterCard credit and debit cards. This Service is an additional security layer to help protect merchants that accept cards over the internet.

Based on the 3-D Secure protocol, This benefits participating e-commerce merchants in the following ways:

Liability shift means that the liability for the chargeback loss shifts from the merchant to the issuing bank(card holder bank), for e-commerce transactions that are deemed fraudulent. The issuing bank, in most cases, is no longer allowed to pass such chargebacks back to the merchant.
Minimizes chargebacks. Merchants who use the service are protected from fraud-related chargebacks on all personal Visa/MasterCard transactions — credit or debit
In many cases using this service it will lower participating merchants’ Visa / MasterCard credit card processing costs. By qualifying your mid and non-qualifying internet transactions.

Based on the 3-D Secure protocol, This benefits participating e-commerce merchants in the following ways:

Liability shift means that the liability for the chargeback loss shifts from the merchant to the issuing bank(card holder bank), for e-commerce transactions that are deemed fraudulent. The issuing bank, in most cases, is no longer allowed to pass such chargebacks back to the merchant.
Minimizes chargebacks. Merchants who use the service are protected from fraud-related chargebacks on all personal Visa/MasterCard transactions — credit or debit
In many cases using this service it will lower participating merchants’ Visa / MasterCard credit card processing costs. By qualifying your mid and non-qualifying internet transactions.

Transaction Flow

Based on the 3-D Secure protocol, This is how a transaction obtains and ECI code (Electronic Commerce Indicator) before proceeding with the credit card authorization. The ECI Code makes the chargeback liability shift happen before the authorization on the card is done.

Note: You are only billed for liability shifted transactions

From the day you are enabled for authentication you are no longer responsible for certain fraudulent chargebacks when a cardholder denies they made the purchase. As a result you should see a reduction in the number of fraud-related chargebacks.

Liability shift is dependent on various factors, such as the type of card (personal or commercial), the authentication result as well as card issuing and merchant countries. For example, with transactions involving personal cards Visa and MasterCard offer global protection for non-enrolled cardholders/issuing banks.

3D Used - Authenticated

you may no longer be liable for chargebacks if a cardholder claims they did not make the purchase. The issuing bank becomes responsible for the chargeback for Visa, MasterCard.
3D Offered - Offered but Not Used

because full enrolment is not yet universal, Visa and MasterCard offer you global protection for personal cards where authentication has been attempted even if the issuing bank is not participating or the cardholder is not enrolled.
Ecommerce

Visa/MasterCard does not offer protection against fraud-related chargebacks.

Merchant Solutions Tailored to All Types of Businesses, Including

ChargeBack Liability Shift

Based on the 3-D Secure protocol, This benefits participating e-commerce merchants in the following ways:

Based on the 3-D Secure protocol, This benefits participating e-commerce merchants in the following ways:

Transaction Flow

Note: You are only billed for liability shifted transactions

3D Used - Authenticated

3D Offered - Offered but Not Used

Ecommerce