Payment Service Provider (PSP) / Gateway Advantages

Global coverage for all cards, from all issuers and schemes, without active issuer involvement or technical links.

Uses existing gatekeeping of issuer banking portals and issuer KYC (Know Your Customer) data.

Eliminates security gaps and fraud migration to other card types.

Reduces back office costs by mitigating fraud.

Provides new transactional revenue stream (model is based on user (merchant) pays fee for service). Unit cost of authentication passed to merchant.

Single point integration to single domain (1D) rather than complex 3 domain (3D) integration.

Rapid integration, low cost, no new databases or networks.

Promotes the gateway as safe processing centre for merchants.

Compliant with European Central Bank Regulations 31/1/13 for online payments.

Compliments 3D Secure / Securecode / JSecure/ Safekey

Merchant Protect can work together with and compliment 3DSecure/ Securecode / Safekey / JSecure.
Plug the security gaps arising from non enrolled cards. Merchant Protect can authenticate 100% of cards, issued anywhere, by any issuer under any card scheme - automatically.
Merchant Protect and 3DS can be used side by side – where 3DS cannot authenticate (ie circa 80% of cases), the transaction can be passed to Merchant Protect for authentication.
Merchant Protect can be used as the 2nd Factor for 1st Factor 3DS implementations (i.e. instead of SMS based systems.