• Shifts liability away from Merchant to Card Issuer
• Enables card Issuers to verify the identity of cardholders during online purchases
• Increases usage by addressing consumers' security concerns
• Reduces escalating levels of fraud and disputes
• Provides global industry wide solution

Verified by Visa and MasterCard SecureCode are payment initiatives designed to reduce the risk of unauthorized use of a cardholder account by authenticating the cardholder attempting to make a purchase online. Authentications makes Internet shopping better and safer for both buyers and sellers on the web by reducing the merchant's exposure to fraud and frivolous disputes, and protecting the cardholder from fraudulent use of their credit card.

AUTHENTICATION SOFTWARE for Merchants

Introducing Cardinal Centinel ™

Cardinal Centinel™ is a unique solution for those merchants wishing to participate in the new Internet payment initiatives without the hassle and expense of multiple software implementations.

Benefits of Cardinal Centinel ™

Consolidation
Within one single platform Cardinal Centinel™ easily integrates with the merchant checkout process and addresses all the merchants needs regarding the Visa, MasterCard and EFT Networks payment initiatives. This eliminates the need for multiple software implementations.

Expandability
As other payment networks offer alternatives, the Cardinal Centinel™ platform is built to grow as the market dictates. Merchants will be assured of being able to participate without any additional installation procedures.

Flexibility
Many merchants may not want to add any software to their ecommerce site. Cardinal Centinel™ can be run independently. Whether through an implementation that requires no software to a fully functional program on the merchant site, merchants can choose the approach that best meets their needs.

Increased Revenue
As consumers realize that a merchant is participating in these new payment programs they are more likely to shop at that site. Concern for the safety and security of ecommerce is the leading factor for people not shopping on-line.

Peace of Mind
With Cardinal Centinel™ merchant will have adhered to the requirements for shifting the liability of fraudulent transactions off of themselves. With Cardinal Centinel™ merchants can rest assured that the transactions they process are authenticated, validated and that they will be guaranteed payment.

Visa's commitment to encourage best business practices, preferential rates are available to electronic commerce merchants utilizing Verified by Visa cardholder authentication!

Merchant Rates:

Merchant Value Proposition

• Guaranteed payments
• Participation will shift liability to the issuer for attempted authentications (Visa)
• Increase transaction volume / revenue
  • Increase consumer confidence
  • International sales
  • Fewer fraud declines
• Reduces the need for other fraud screening services (cost reductions)
• Solution is certified and licensed by Visa and MasterCard
• Thin client approach enables merchants to participate in both Visa and Mastercard and other future payment initiatives
• The flexible implementation enables a merchant with authentication protection with one install in a couple of days (ASP Model)
• The one step Merchant Plug In (MPI) easily integrates with the merchant checkout process
• Future payment initiatives and modifications are accessible without additional software installation
• Current software versions for all initiatives are maintained and updated