With VASCO Digipass you will not be afraid to use credit card payments on the Internet. Digipass ensures that debit and credit card transactions remain trustworthy.

• EMV/CAP Authentication for 3-D secure e-Commerce solutions
• EMV/MasterCard CAP
• EMV level 1&2 certified

Today, more and more individual consumers are making purchases over the Internet. However, recent publicized compromises of that credit card information have resulted in many people remaining hesitant to make online credit card payments.

The bigger problem faced by e-commerce is security:

• Consumers perceive the internet as an insecure place to make payments; they are afraid that their card number will be stolen or that someone will impersonate them. This results in a lot of transactions and buying opportunities being missed for merchants and banks.
  
  
• When the cardholder simply enters their credit card number, the transaction has the status of MO/TO (mail order / telephone order) i.e. there is no proof of cardholder presence. This is the reason why merchants experience heavy "card not present" fraud.

What is the solution

3D-Secure protocol is promoted as the best solution available for credit/debit card payments on the Internet by credit card associations. With the 3D-Secure protocol, issuing banks have to authenticate the cardholders when they are making a transaction. This provides the assurance to cardholders that the transaction is secured. The transaction will now get the status of a 'cardholder present' transaction which means that merchants get a payment guarantee. One of the main features of 3D-Secure is that it leaves it up to the issuing bank to choose the security technology to authenticate the cardholders.

VASCO solution
With VASCO's Digipass, it is possible to authenticate cardholders when they are making a transaction. Digipass allows a payment guarantee while also permitting the issuing banks to:

1. Choose the preferred technology: ANY of the VASCO Digipass can be used, offering not only user authentication but also transaction signature.
   
   
2. Create a synergy with Internet banking and other applications or channels: the VASCO Digipass security technology can be leveraged across all banking channels and all banking applications.
   
   
3. Use the same card and PIN-code to shop in-person or on the Internet. VASCO's Digipass 800 is an unconnected card reader that allows customers to use the same banking card for physical and virtual shopping.