There a number of things businesses should be aware of when accepting payments by credit card online. 

Ease of use
Credit cards are a very common, often preferred, payment method in many countries. Their wide spread acceptance and ability to process charges in multiple currencies make them the default choice for many consumers.

Payment service providers and businesses handling credit card data must abide by the PCI Data Security Standards. These standards are designed to protect consumers and merchants by requiring the use of extensive security protocols and data management practices. MultiSafepay is PCI compliant and merchants can use MultiSafepay payment pages to accept credit card payments without being PCI compliant themselves.

Consumers using credit cards have the right to initiate a chargeback. A chargeback is a forcibly initiated reversal of funds. 

3-D Secure
For detailed information about 3-D Secure please read the specific support article.

3-D Secure is an additional security layer used in online credit card and debit card transactions. The major credit card companies each offer their own version of 3-D Secure. These are Verified by Visa, MasterCard SecureCode, J/Secure and American Express SafeKey.

3-D Secure technology adds an extra step to placing an order and is intended for your safety and that of your customers. Your customers are protected against abuse of their credit card number. Before the payment is accepted, the cardholder identity is verified by requiring the customer to authenticate at the credit card provider's 3-D Secure website.

When a chargeback is filed against the web shop owner, and the transaction was carried out through the 3-D Secure system, the Acquiring Bank is responsible for the costs and not the web shop owner.

The status 'uncleared' means that we have received a credit card transaction but the payment has not been automatically accepted, because our anti-fraud module has detected unusual data. You can find the details of why the transaction has not been accepted under the details or Risk Report. Occasionally, additional information will be added in the Transaction Notes.

It is up to you whether you want to accept or decline the transaction. You can make an informed decision based on the information provided in the Risk Report.

Please note that if the fraud score is 8, you are not able to accept the transaction from MultiSafepay Control yourself. If you wish to accept transactions with risk scores of 8 or higher, you can contact MultiSafepay's Finance department.

MultiSafepay does not only believe in preventing fraud, but actively tracks and reports online criminals by monitoring payments. The risk management systems are customized and designed to accommodate clients with different needs. Our fraud desk actively works to reduce charge back rates and analyzes high risk transactions.

We offer the highest industry protection as per PCI DSS standards, HTTPS, data encryption and 3-D Secure technology. MultiSafepay processes Visa and MasterCard, so we are required to comply with the card schemes’ operating regulations.

In the event that your company has taken over an existing web shop you can contact us to receive the applicable form, which must be filled in and submitted to MultiSafepay. Submitting the take-over form is necessary if the acquired web shop has an existing MultiSafepay payment system. 



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