E-commerce with confidence

Through the "Verified by Visa" and "MasterCard SecureCode" programs, new regulations intended to strengthen the security of online payments are coming into force.

What are the objectives of MasterCard SecureCode and Verified by Visa?
These standards embody a new way of securing payments by bank card on the internet and aim to:
reduce fraud reassure both buyers and sellers and therefore strengthen the dynamics of electronic commerce.
The protocol was developed by the 2 international card networks, Visa and MasterCard. It is an interbank solution adopted by the French and international banking community.

Merchants who use Crédit Mutuel-CIC platforms do not need to make any changes to their website to take advantage of the MasterCard SecureCode and Verified by Visa standards.

What are the advantages ?
The primary goal is for e-merchants to observe a reduction in fraud and therefore in the unpaid debts that they may be required to bear at present. Indeed, when a merchant benefits from the MasterCard SecureCode and Verified by Visa innovations, the bank of the The Internet user can no longer systematically pass on a transaction that is the subject of a dispute by the cardholder to the merchant's bank.

What is the procedure ?

1. Your customer purchases on your site.
2. When paying, they indicate their bank card details on your merchant site.
3. New: this information is sent to your customer's bank. This then asks him to authenticate.
4. The solution verifies that the authentication is performed, then performs the usual checks to complete the transaction before returning the customer to your site.

And at Crédit Mutuel-CIC?

This standard has been adopted since 2005 by the CyberMut Paiement / Paiement CIC platform. The procedure is currently in effect for domestic transactions.
The bank of the cardholder will therefore pre-authenticate his client when the latter settles a purchase on your payment platform.

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