Fraud is the UK’s greatest threat to payment security, often being used to finance further crime. It can also have a damaging effect on your business. Cardstream’s fraud prevention solutions help in preventing card transaction fraud from ever taking place.
Our in-house Velocity Checking and various country and card blocking technologies allow you to have complete control over the traffic through your gateway. You can focus on growing your business: we take care of security. XEPAY also integrates with specialist third party fraud management solutions to enhance your fraud prevention tools further.

PCI DSS Level 1

XEPAY’s Payment Network is a PCI DSS Level 1 approved service registered by Visa and Mastercard. Our cloud environment is protected by DDoS mitigation tools. Within the gateway, built-in security settings include AVS, CV2 checks, 3D Secure, velocity check rules and additional pre-integrated third-party fraud solutions.

3D – Secure

3D Secure authentication was developed by Visa with the intention of improving ecommerce payments’ security and cardholder confidence. MasterCard has also adopted the service, along with JCB and Amex. The full 3D Secure service is available using the XEPAY Payment Gateway and there is no additional charge for this service.
Fundamentally, 3D Secure allows the cardholder to create a unique password for their relevant debit or credit card. This works very much like the PIN would with a PDQ machine in order to authenticate a payment, as only the cardholder should know that password.
3D Secure stands for 3 Domain Server, relating to the three parties involved with the process: the Merchant, the Acquirer and the card issuer. This process is the most recent of fraud prevention services available for eCommerce Merchants and cardholders to use.
In addition, 3D Secure also assists the merchant’s liability cover for each transaction authenticated by the process. We would suggest checking with your Acquirer as to what exactly this covers. Chargebacks can still happen, as this will still be decided by your acquirer.
Further information about 3D Secure can be found within the relevant integration guides.