Payments Blog

Consumer Authentication Strategy part 1- Benefits for my Business



In anticipation of EMV rolling out in the US market, many merchants have started to look at Consumer Authentication. As an example, they may have implemented EMV across all their points of sale already or they may be a pure eCommerce play and saw how EMV adoption affected their UK business in the past. If your business does eCommerce in the United States, and you don't have a solution in place, you should begin to plan and add Consumer Authentication and build your strategy for today and into the future. Consumer Authentication is the protection that the industry has accepted as the right answer.

Consumer Authentication, which includes 3-D Secure protocols like Verified by Visa, MasterCard SecureCode and others, is something that is very new to the US market. It has garnished high praise around the globe in combatting fraud with EMV both at POS and in CNP transactions. With Centinel Select, we, in real-time collaborate between what the bank knows about its consumers and transactions with what you the merchant knows to provide the highest sales yield. Centinel Select puts the control  in your hands (the merchants) while creating a positive consumer experience. It can combine with your fraud screening technology and our know-how to help increase sales and improve your margins. Now that merchants have full control of how it is deployed with services like Centinel Select, now is the perfect time to start building your strategy and ultimately your business case. But where do you start? Consumer Authentication will be a component of your overall fraud/payments strategy that you’ve probably never considered or implemented. As a fraud manager or payments professional, you’ve created hundreds of business cases and strategies around fraud screening and payments, but this is something new. This is where we’ll provide some help.

This five-part blog series will walk you, as a merchant, through the steps you need to take in order to properly determine what your Consumer Authentication strategy will be. It will also provide tips and techniques on how to educate to the rest of your organization, while helping you avoid some of the common pitfalls other merchants have fallen into as they’ve gone through the process.

Part 1: How  Do the Benefits of Consumer Authentication fit my Business?:

Here are some questions to ask yourself when considering setting up a Consumer Authentication Strategy:

  • What benefits am I eligible for related to Interchange Savings and Chargeback Liability Shift?
    • This is one of the most tangible ways your Consumer Authentication solution can improve margins.
  • Is this the year you want to increase sales?
    • Cardinal will walk you through how Consumer Authentication can increase your sales.

With a rules-based Consumer Authentication solution, you will get fewer false positives, therefore more transactions that convert successfully. Transactions that would have been declined without using rules-based Consumer Authentication are now approved, which leads to an increase in your sales!

Check out the next part to our blog next week for more on a Consumer Authentication Strategy! If you have any questions please comment below or contact us!


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Posted by CardinalCommerce

Welcome to the CardinalCommerce blog. Cardinal is a global leader in authenticating digital transactions, with One Connection to drive digital commerce. Our goal for this blog is to provide a platform that will inform and educate our Customers and partners on consumer authentication, payments, mobile commerce, solution design and big data.

Topics: Consumer Authentication, CardinalCommerce

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