The Address Verification System (or simply AVS) is a method for merchants to verify the identity of a customer who uses a credit card.

AVS is an excellent way to reduce the risk of fraud and increase the payment gateway’s security. In other words, it checks that a customer is the cardholder he claims to be and finally – it decreases the number of chargebacks.

read more

---

What’s your first thought when you hear “3-D Secure”? Well, unfortunately, I have to disappoint you – it has nothing in common with three-dimensional world. 3-D Secure adds another security layer to online payments.

This authentication method is based on a three domain model (that’s why it’s called 3-D). These three domains are:

• acquirer domain (the merchant and the bank which gets money)
• issuer domain (the bank which issued the card)
• interoperability domain (the service provided by the credit card company, Visa, MasterCard, etc.)

read more