Want to add a new layer of transaction security to your Web site while ensuring against liability on certain chargebacks? Now you can with Verified by Visa transactions (aka Visa 3D) channeled through the ECHO payment gateway. 

We also support MasterCard’s UCAF (Universal Cardholder Authentication Field), however currently no chargeback protections are available under the MasterCard program.

Both UCAF and Visa 3D services allow on-line consumers to authenticate their identity during the payment process. For merchants who develop this capability with one of the Visa or MasterCard authorized vendors, ECHO can process the transaction and route the responses back to your site. 

Specific Chargeback Protection

Beginning April 1, 2003, the Visa’s Operating Regulations provide merchants with chargeback protection when a cardholder disputes a 3-D Secure authenticated transaction as an unauthorized purchase. This protection applies to the following chargebacks:

• “T&E—Invalid Transaction” (reason code 23)
• “Fraudulent Mail/Phone Order Transaction” (reason code 61)
• “Cardholder Does Not Recognize Transaction” (reason code 75)

The following types of transactions are not protected from the chargeback liability shift related to 3-D Secure attempted authentications:

• Commercial Card
• Anonymous Prepaid Card
• Transactions conducted in new channels (e.g., mobile phone or other access device that does not use a standard Hypertext Markup Language (HTML) browser to process a 3-D Secure Authentication Request)
• Transactions by merchants identified through the Global Merchant Chargeback Monitoring Program (GMCMP), for the period of time the merchant remains on the monitoring program report, plus three additional months.

Note: ECHO can serve U.S.-based businesses only.