Trintech Group Plc, a global provider of secure payment infrastructure solutions for real world, Internet and wireless environments, announced that their payment solutions support the Visa U.S.A. Payer Authentication Service which is based on the 3-D Secure Interoperability Standard. Visa Payer Authentication, part of Visa’s Secure Commerce Program, is designed to provide a more secure environment for consumers and merchants conducting electronic commerce.
Trintech’s 3-D Secure PayWare solutions enable issuers, acquirers, processors, telcos and merchants to quickly take advantage of Visa U.S.A.’s Payer Authentication Service, designed to help ensure secure online payment transactions. Solutions based upon Visa’s new authentication standard are both easy to implement and quick to market.
After enrollment with a participating card-issuing bank, cardholders can now authenticate themselves similar to the way they sign sales receipts in the physical world. Visa Payer Authentication will provide customers with a more secure online shopping experience by adding a layer of security that helps to reduce fraudulent use of Visa card numbers on the Internet, ultimately building consumer confidence for online shopping while reducing customer disputes and fraud losses for merchants.
“The key to eCommerce growth is consumer confidence in merchant website security and verification of a cardholder’s identity,” said Jim McCarthy, Senior Vice President at e-Visa. “We are pleased that Trintech is in full support of the Visa Payer Authentication Service. Visa is working with several technology partners like Trintech to help banks and eMerchants better secure cardholder information online, giving consumers a better online experience and merchants increased sales volume.”
“A secure and convenient purchasing experience is crucial for eCommerce to fulfil its true potential,” said John McGuire, CEO at Trintech. “Trintech is pleased to work with Visa to ensure that fraud is minimized and confidence in online shopping improves. Trintech PayWare solutions that incorporate Visa’s 3-D secure protocol will significantly strengthen the safety and security of business and consumer transactions on the Internet.”
The Visa U.S.A. Payer Authentication Service allows cardholders to shop online as they do now, adding items to a virtual shopping cart and proceeding to the merchant’s checkout page. Once the “buy now” button is selected, the authentication process confirms the cardholder’s identity to the Issuer through a password. Once the cardholder has been successfully authenticated, the card-issuing bank will transparently pass a notice of authentication to the merchant.
Trintech’s 3-D Secure solutions enable Issuers, telcos, merchants, acquirers and processors to take full advantage of the Visa U.S.A. Payer Authentication Service. Trintech’s range of 3-D Secure Issuer solutions, known as PayWare Guardian PA (Payer Authentication), provide a range of 3-D Secure solutions tailored to meet Issuer requirements. Issuers may choose to implement PayWare Guardian PA in conjunction with Trintech’s PayWare eIssuer product, a consumer eCommerce multi-device payment solution. Alternatively, they may choose a standalone solution that readily integrates with an Issuer’s legacy system, allowing Issuers to benefit from existing authentication systems and established cardholder records.
All parties, including telcos, will benefit from Trintech’s 3-D Secure mobile commerce solution. PayWare Guardian PA will be extended to the wireless Web to 3-D Secure enable mobile phones, personal data assistants and other platforms such as digital set top boxes. This will be provided in conjunction with Trintech’s existing mobile commerce solutions. Trintech’s 3-D Secure merchant solution (referred to as a Merchant Plug-In) provides merchants with a stand-alone solution that integrates with their existing payment software. Acquirers and processors may also host the Merchant Plug-In as a service. The Merchant Plug-In integrates with Trintech’s payment gateway and merchant hosting solution.
Founded in 1987, Trintech is a leading provider of secure electronic payment infrastructure solutions for card-based transactions for physical world commerce, eCommerce and mobile commerce. The company offers a complete range of payment software products for credit, debit, commercial and procurement card applications, as well as being a world leader in the deployment of payment solutions for Internet commerce that are fully SSL and SET(TM) compliant. Trintech’s range of scalable open systems architecture solutions for UNIX(R) and Windows NT(TM) platforms covers consumer, merchant and financial institution requirements for physical payments and the emerging world of electronic commerce. Trintech can be contacted in the U.S. at 2755 Campus Drive, San Mateo, CA 94403 (Tel: +1-650-227-7000) and in Ireland at Trintech Building, South County Business Park, Leopardstown, Dublin 18 (Tel: 353-1-207-4000). Trintech can be reached on the Web at .