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Employ both solutions and the advantage is a reduction in fraud chargebacks and disputes — both of which directly affect your bottom line.
The liability is shifting. Last year, VbV merchants received protection against fraud chargeback reason codes, regardless of the issuer or cardholder’s participation. Interchange rates now are five basis points lower for e-commerce preferred (VbV) consumer transactions.
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- Companies:
- CyberSource
- Paymentech
Tonya Carroll
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