Pay Online Safe and Securely

Virtual Card Services was established in 1996 to offer a solution to the mail order market that found conventional methods of securing large volumes of credit card payment cumbersome and costly.

With more than 50 years’ collective experience in developing and implementing credit, debit and smart card processing systems for a major card issuer in South Africa, VCS was quick to identify the niche presented in providing a solution that exactly meets these needs.

The ‘Virtual Vendor’ system, which was developed out of this need, interacts with a bank’s existing legacy systems, while meeting the vendor’s demand for an automated, electronic transaction system. The business rapidly grew from this point by expanding the scope of services to all organisations requiring automated, high volume and secure credit card payment processing.

The company’s client list today boasts a cross-section of businesses that have realized the benefits of automating their credit card transactions.

3 Domain Security – is a new method of security mandated by the Card Associations to enhance the security of online transactions. Mastercard’s product is called “SecureCode” and Visa’s product is called “Verified by Visa”.

The 3D-Secure refers to three domains involved in the security, they are:

the Acquiring or Merchant’s bank
the Card Association’s financial networks ie Mastercard and Visa
the Issuing or Cardholder’s bank.

Very simply the system authenticates the cardholder before the transaction takes place by diverting the browser to the bank that issued the card, who then request some secret, perhaps a pin, from their cardholder that will conclusively prove that this actually is the cardholder entitled to use this card. Once they are satisfied that this is their cardholder they issue an authentication receipt which is then presented to the merchants bank along with the authorisation request. If the transaction is then approved by the issuing bank they may not charge the transaction back to the merchant because the cardholder disputes the transaction as not being originated by them.
Virtual Card Services is compliant and in fact was the first South African payment gateway to be certified by both Mastercard and Visa for 3D-Secure transactions through First National Bank, Standard Bank and ABSA.

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