First Data Independent Sales - Verified by Visa and MasterCard Secure Code

First Data Independent Sales - Credit Card Processing

Verified by Visa^® and MasterCard^® SecureCode^™

Ever worry that the customers ordering from your Web site aren't really who they say they are? You can't see them,you can't see or imprint their card,and you can't verify the signature. What if the card number is stolen or fraudulent? Will your online revenue be lowered by cardholder disputes and chargebacks? With LinkPoint e-commerce payment services, there is now a solution to help you feel more confident when accepting online credit card payments: Verified by Visa^® and MasterCard^® SecureCode^™.

What are Verified by Visa^® and MasterCard^® SecureCode^™?

These services help to prove that the person placing an order on your Web site is really the owner of that card.Similar to the ATM process,a cardholder signs up for a PIN number or password with their credit card issuer.If your online store has the Verified by Visa or MasterCard SecureCode option integrated, the PIN number is requested when the card is used for online purchases. When the card is forwarded for authorization, the issuer of the card confirms the cardholder is the owner of the card and produces a virtual signature.The benefits of these services are clear-chargeback protection for the merchant and fraud protection for the consumer.

How does it work?

At the point of sale,the consumer is prompted for the password.
The password is confirmed by the Issuing bank.
If successful information is submitted with the transaction. If not successful, the transaction cannot be submitted for authorization.

Features and Advantages

FEATURE	ADVANTAGE
Provides simplified implementation	Very little merchant effort is required to enable the service
Requires no additional software or hardware	Keeps cost of implementation low
Provides real-time pre-authorization cardholder authentication	Helps reduce chargeback volume due to fraud
Complete protection against Visa fraud-related e-commerce chargebacks	Helps decrease cost of doing business due to potentially reduced total cost of fraud
Guaranteed fraud protection for all MasterCard e-commerce transactions when the card is successfully authenticated	Potentially reduces occurrence of fraudulent credit card use
Transactions failing cardholder authentication are rejected	Helps decrease cost of doing business due to potentially reduced total cost of fraud
Merchants can display the two logos on their Web site	Helps increase consumer confidence in e-commerce transactions

*As of 12 March 2004, Discover^® Network CID and Verified by Visa^® / Mastercard^® SecureCode^™ are in beta test and will be available to the general merchant population at the conclusion of testing.

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First Data Independent Sales - Services by Cardservice International

The First Data Independent Sales Agent Program is operated by Cardservice International, Inc. Cardservice International, doing business as First Data Independent Sales (FDIS), is a registered ISO/MSP for Wells Fargo Bank, N.A., Walnut Creek, CA, an FDIC-insured bank. American Express^® requires separate approval. First Data Independent Sales Agent #10586 is an Independent Agent Office of Cardservice International.

*All terminal, software, and setup offers are offered by Jack L. Kimball, First Data Independent Sales Agent #10586.*