Inside this Issue:

- MasterCard® SecureCode™ Changes

- Centinel's new value for Discover® Merchants

- MasterCard SecureCode Education Program

- Cardinal Centinel® Payment Brand Updates

October 2011 - Volume 1, Issue 1

MasterCard® in the News - New U.S. SecureCode™ liability standards bring merchants even more benefits starting October 14th

As of October 14th, MasterCard will hold card Issuers, rather than eCommerce merchants, liable for certain fraud-related chargebacks on eCommerce transactions conducted using SecureCode in the United States.

3-D Secure™ Background:
MasterCard SecureCode is a service which allows cardholders, through the use of a PIN, to validate their identity directly with their card Issuer when shopping online at participating MCSC merchants.

These New Changes Improve Benefits for eCommerce Merchants:
Prior to October 14th, merchants using SecureCode were liable for chargebacks on eCommerce transactions which were not fully authenticated, meaning, when cardholders were not enrolled in the SecureCode program.

Now, merchants who have enabled SecureCode will NO LONGER BE LIABLE for fraud-based chargebacks, as long as the merchant ATTEMPTS to authenticate the cardholder and the Issuer approves the transaction REGARDLESS OF CARDHOLDER ENROLLMENT STATUS.*

MasterCard Fraud-Based Reason Codes: Do you recognize these numbers?

• 37 (No Cardholder Authorization)
• 63 (Cardholder Does Not Recognize – Potential Fraud)

Cardinal’s Superior Integration:
With a CardinalCommerce integration of SecureCode, and the other 3-D Secure protocol, merchants have access to real-time reporting - visibility into the day-to-day activity of the programs, along with the intrinsic benefits of Cardinal’s hosted solution including managed upgrades and on-going license renewals. Also, merchants have access to the Cardinal technical support team 24x7x365, the most experienced 3-D Secure integrators in the business.

(*Benefits exist as long as the merchant properly transmits the data elements which identify a transaction as a SecureCode transaction in both the authorization and the deposit records passed to the Issuer.)

Learn how this exciting MasterCard rule change can positively impact your business when you run MasterCard SecureCode. Contact your Cardinal representative today at 877.352.8444.

Find out how the Cardinal Centinel technology is offering more to Discover® Network merchants with eBillme™ and Mazooma.™

CardinalCommerce and eBillme bring secure cash checkout to the Discover Network

Mazooma Unveils Micropay-in-a-Box for Discover Digital Goods Merchants

CardinalCommerce - a part of the MasterCard® SecureCode™ Education Program

MasterCard SecureCode 360 is a complimentary webinar series intended to provide issuers, acquirers, and merchants interactive and informative guidance on SecureCode adoption, the benefits of deployment, best practice, issuer authentication options, fraud reduction opportunities, and industry trends. The Webinar modules discuss the following topics:

• New! Risk-Based approach to MasterCard SecureCode
• Guidance on MasterCard SecureCode adoption
• Benefits of SecureCode deployment
• Three Domain Secure (3-D Secure) protocol best practices
• Fraud reduction opportunities
• Industry trends for regional and global deployment

To register and view the MasterCard SecureCode Education Program Webinar series, including CardinalCommerce's feature as a SecureCode Service Provider, please visit: MasterCard SecureCode Webinar Series

Cardinal Centinel® supports payment brands that connect your business to shoppers all over the globe: take a look!

With cash options and eWallets, to online banking and deferred payments, there are payment brands to suit every demographic your business is trying to reach.

View Cardinal’s Payment Brand Map (either by brand or payment method reach) to see exactly where and how many potential consumers you can capture worldwide:

CardinalCommerce Payment Brand Map

Contact your CardinalCommerce representative today at 877.352.8444 to discuss which payment mix is the ideal fit for your growth strategy in 2012.

THIS MESSAGE IS INTENDED ONLY FOR THE USE OF THE INDIVIDUAL OR ENTITY TO WHICH IT IS ADDRESSED AND MAY CONTAIN INFORMATION THAT IS PRIVILEGED, CONFIDENTIAL, AND EXEMPT FROM DISCLOSURE UNDER APPLICABLE LAW.

If the reader of this message is not the intended recipient, or the employee or agent responsible for delivering the message to the intended recipient, you are hereby notified that any dissemination, distribution, forwarding, or copying of this communication is strictly prohibited. If you have received this communication in error, please notify the sender immediately by e-mail or telephone, and delete the original message immediately.
Thank you.

CardinalCommerce Corporation - 6119 Heisley Road - Mentor, Ohio - 44060