Help protect your cardmembers and your profits through our multi-layer fraud prevention programs and services.
Contact a relationship manager to
Card Identification Data (CID)
The three-digit CID provides an additional layer of security to ensure the card was in the possession of the cardholder at the time of purchase.
Code 10: Suspicious Situations
Merchants who become suspicious during a card present transaction can phone in a Code 10 authorization request, which alerts the issuer and protects the cardholder. Our automated authorization line will automatically connect the merchant to the appropriate issuer.
Address Verification Services (AVS)
To limit fraud on Card Not Present transactions, we require merchants to capture the cardholder’s address for verification.
100% Authorization Requirement
We protect profits by requiring authorization on all transactions.
Address Change Notification (ACN)
Minimizes the risk of account takeover fraud. Merchants requesting an AVS in the authorization message are sent an ACN. The ACN indicates the number of days since the last cardholder billing address change, if the change was within the last 45 days.
Assists participating issuers with providing merchants authorizations when systems are down.
Card Verification Value (CVV)
A unique value encoded on the magnetic stripe by the issuer provides protection against counterfeit cards.
Fraud Prevention Associations
We’re members of several key anti-fraud associations, including: