Don’t take our word for it. See what our clients say!
Very easy, smooth experience. Nathan was great with me and there was not a hiccup in getting me approved for the right merchant I needed. Thanks again!!
Durango Merchants are the best in the business… Iv’e been them since 2009 and my account manager, Brad, has always been so completely helpful and diligent to get any customer across the finish. I will never get a merchant account with no one other than Brad!!!! Thank You Durango for all you do!
Durango Merchant Services are true professionals. They are honest, prompt, and get the job done. It’s rare to find people like this. I would highly recommend him to help you with your merchant account needs.
Feel free to call our team if you have any questions!
Just a few of the industries we serve:
Nutraceuticals & Supplements
Mail Order or Telephone Order
Low risk and high risk
Any travel company
Vapes and e-cigs
International & Multi-Currency
Education Software for all Industries
Fantasy sports and forecasting
Small Businesses online or physical location
Web Development and SEO
3-D Secure is a fraud prevention protocol that was created by Visa and Mastercard to authenticate e-commerce transactions. The protocol sits on the merchant payment form between the payment page and the gateway verifying transactions in real time.
10.4 – Other fraud – Card absent environment
4837 – No cardholder authorization
4863 – Cardholder does not recognize – Potential fraud
If the transaction is not authenticated, PAAY will close out the authentication request and the transaction will
continue as normal. There will be no impact on the customer experience, however the liability shift will not occur.
Currently, about 65-75% of transactions are authenticated and qualify for a liability shift. There are ways to optimize your payment page to increase the number of authenticated transactions. For more information on how to optimize your payment page please contact firstname.lastname@example.org. By April 2019 (Deadline for issuing banks to start utilizing 2.0) authentication rates should spike to up to 95%.
As a merchant, you will not know when a chargeback occurs. That’s the beauty of 3DS. There’s no dispute, and it doesn’t impact your ratios. Instead of going back to the merchant, the issuing bank will refund the customer on their credit card or they will send it to the fraud department for further investigation. The merchant is never involved.
The new specification reflects current and future market requirements for:
- Risk based authentication (Up to 95% authentication rate)
- Acceptance of tokens (Pass tokens instead of the full credit card number)
- Out of band authentication (not bound to browser)
- App based authentication
- Fewer steps for authentication
- Frictionless customer experience
- Biometric authentication
- Integration with digital wallets
- Recurring transactions
- PSD2 Compliant