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You’re looking at the premier edition of our new Secure E-Payments Journal. Every three months, we’ll fill you in on news and issues of interest to anyone who sells – and accepts payments – online.

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Top of the News
Payer authentication is here: are you ready?

Visa Payer Authentication Service (VPAS) is now available, and MasterCard’s Secure Payment Application will soon be. Designed to validate (authenticate) the cardholder’s identity for online purchases – and thereby minimize the risk of fraud for both consumers and merchants – these services promise to remove merchants from financial liability for fraudulent purchases.

These plans also mean changes for your payment infrastructure and how your customer moves through the purchase process. To learn more,
>> read the full article.

The Transaction Insider
By Doug Schwegman Market Research Director

Latest news: online sales continue to grow. And early signs of seasonality trends are becoming evident as the online sales channel matures. >>Full details

Case Study: CompUSA stops online fraud

When CompUSA launched its direct Web sales channel, www.compusa.com, offering Internet shoppers hundreds of computer products, accessories and services, the company was thrilled with the high-volume of traffic to the site.
The number of orders originating from its newest sales channel surpassed expectations. Unfortunately, while sales grew exponentially, so did credit card fraud. Find out what they did about it in the >> full article.

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Product Spotlight: Two new fraud prevention tools

Now, the most effective fraud scoring in the industry
CyberSource’s new Advanced Fraud Screen (AFS) Enhanced by Visa is the first fraud scoring system to utilize up-to-the-minute purchase activity – including online and in-store transaction data – making it the most accurate fraud detection and sophisticated scoring system available today. To learn how AFS Enhanced by Visa dramatically cuts fraud rates and boosts customer satisfaction, call us at 1.888.330.2300 or click here for more info.

New decision management tool—Risk Manager 2.5
Now you can optimize online and contact center fraud detection by customizing your specific order acceptance criteria – even if you use multiple risk analysis tools – all on a single platform. Thanks to the new Risk Manager 2.5, you can also build rules and modify risk management processes in real time, leveraging screening, authentication, and other key capabilities available from CyberSource and third-party providers. For a detailed description download the Product Brief. Or call us at 1.888.330.2300 to request a copy.