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We use the very latest technology provided by the Secure Trading Payment
Gateway to ensure that your credit / debit card payment is completely
secure. All major credit and debit card payments in multiple currencies
are accepted.
3-D Secure
3-D Secure is a credit and debit card authorisation program, implemented
by Visa (as 'Verified By Visa') and MasterCard (as 'MasterCard SecureCode'),
to help reduce fraudulent purchases by verifying purchaser identity during
online transactions. Put simply, 3-D Secure is the Internet equivalent
of Chip & PIN. SecureTrading is fully 3-D Secure across all acquirers
and Secure Trading was one of the first PSPs to implement 3-D Secure for their merchants. 3-D Secure provides increased confidence that your card details are secure
when purchasing over the internet.
Address Verification System (AVS)
AVS adds an extra level of security to a transaction. The address entered
at the time of ordering is checked against the cardholder address that
the bank holds for that card. The bank will indicate whether there is
a match between the address entered and the card address. SecureTrading
supports the real time validation of AVS data. We can use the results
of this test to decide whether or not to fulfil an order.
Security Codes (CVV2, CVC2, CSC)
All credit and debit cards carry a security code number. This number
is known to the bank and printed on the card, but is not stored or printed
anywhere else. Therefore, it can be used as a confirmation that the person
using the card to make a purchase is in physical possession of the card,
or has at least seen the card at some time. SecureTrading supports the
real time validation of card security code numbers as part of their standard
service. For online merchants this code can provide extra assurance that
the credit card is in the physical possession of the person making the
transaction.
Encryption Levels
Because security is a priority, SecureTrading currently offers a level
of encryption that is stronger than from any other Payment Service Provider.
All communication within the SecureTrading system is strongly encrypted
using 2048-bit Public/Private Key encryption with variable 168-bit session
keys. This is many more times secure than standard browser SSL security.
The SecureTrading API and Xpay systems use digital signatures throughout
the system to ensure that any transaction arriving at a payment gateway
has come from a merchant that can be identified, and that any information
passed back to the merchant is from a SecureTrading payment gateway.
Quarantine Service
Every transaction processed by SecureTrading is inspected by their fraud
control system. The system looks for certain patterns of card usage, which
indicate that the transaction may be fraudulent, or even erroneous, in
some way. The results of this investigation are passed back to us along
with the credit card authorisation information prior to settlement. We
set a confidence level and any transactions that does not meet this level
will be automatically suspended. We will then decide whether or not to
process a suspicious transaction, perhaps after checking further details,
contacting the consumer or evaluating the risk. Our fraud control system
is in addition to the standard authorisation checks carried out by the
Card Issuing Bank.
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