BulletProof Payment Gateway vs 3-D Secure Payment Gateway by CardinalCommerce

BulletProof Checkout Gateway seamlessly integrates 3DS chargeback prevention technology with WooCommerce to accept secure credit card payments and prevent chargebacks. Our payment gateway allows customers to make safe and secure payments using their credit cards. BulletProof provides merchants with the highest level of 3DS chargeback prevention and fraud protection tools in the marketplace. “Say goodbye to fraudulent chargebacks and the headaches they cause!” BACKGROUND Years ago, credit card brands developed a technology called 3DS to prevent fraud chargebacks. When used correctly, Cardbrands will assume liability for fraud chargebacks, so you don’t have to deal with them. BulletProof Checkout has leveraged 3DS technology to create a user-friendly platform that is easy to implement and customize according to your needs. “Our advanced technology can protect your revenue and prevent the closure of your merchant account, providing peace of mind.” Third-Party Service Dependency This plugin relies on the use of a third-party service under certain circumstances. Below are the details: Bulletproof Checkout API Service Description: Bulletproof Checkout is a payment processing platform that allows you to accept payments online. When Used: This service is used to process payments whenever a user makes a purchase through your website using our plugin. Link to Service: Bulletproof Checkout Terms of Use: Bulletproof Checkout Terms of Use Privacy Policy: Bulletproof Checkout Privacy Policy The plugin interacts with the following API endpoints: – Direct Post Processors: This endpoint retrieves available payment processors. – URL: https://bulletproofcheckout.net/API/endpoints/directpost/processors.php – Capture Payment: This endpoint captures a previously authorized payment. – URL: https://bulletproofcheckout.net/API/endpoints/directpost/capture_payment.php – Validate Payment: This endpoint validates payment details and tokens. – URL: https://bulletproofcheckout.net/API/endpoints/directpost/validate.php – Refund Payment: This endpoint processes refunds for transactions. – URL: https://bulletproofcheckout.net/API/endpoints/directpost/refund.php OFFERING The BulletProof Checkout gateway is compatible many top credit card processors. If you currently have a merchant account with a compatible processor or are looking for an integrated processing solution, we can help. Contact us with any questions. Payment Agnostic – we integrate with many processors, allowing you to use your current merchant account and help you connect it into our BulletProof Gateway. Multi Gateway Compatible — We are also compatible with the NMI gateway. 3DS PAYMENT GATEWAY FEATURES Virtual Terminal, Invoicing, QR codes, Payment Links, Payment Forms, and Payment Buttons. Save on the cost of accepting credit cards by utilizing our Savings Optimizer.” Achieve more savings by using our 3DS and Savings Optimizer technology stack together. Credit card fee deflection programs available. Four plans to choose from – Gold, Platinum, Custom 3DS, Dynamic 3DS Full reporting through a dedicated portal. THE BULLETPROOF 3DS DIFFERENCE If your experience using 3DS did not meet your expectations, it’s time to try the BulletProof 3DS difference. – Control the customer checkout experience. – 3DS Settings that allow a truly frictionless, intuitive, and lightning-fast customer checkout. – Lock in the level of the BulletProof 3DS protection to secure against chargebacks. – User-friendly 3DS solution that requires no programming skills and is easy to set up. – Understand 3DS transaction results through detailed reporting. – Responsive tech support and assistance for our plugin and gateway. – Synergistically works with RDR, Ethica, and Verifi alerts. PAYMENT ACCEPTANCE METHODS Credit Card Checks Cash More to come PRO-ACTIVE PREVENTION BENEFITS Preventing a chargeback avoids the following: – Chargeback Fees – Additional Processing and Gateway Fees – Loss of Revenue – Dispute and Arbitration Fees – Possible Loss of Tangible Goods – Loss of Time – Headaches – “Possible Closure of Merchant Account and Inability to Accept Credit Card Payments” Features Seamless integration with WooCommerce. Secure payments using the BulletProof Checkout. Amazing 3DS chargeback prevention, adjustable 3DS settings, and take control over the customer checkout experience. Sale, authorization, subscription, and order processing. Collect payments inside and outside of WooCommerce. Refund via Dashboard: Process full or partial refunds, directly from your WordPress dashboard. Plus Version WooCommerce Plugin Plus Version. (Free for any already existing customer) Integrated 3DS controls within your WooCommerce store. Enhanced secure payment page that ensures all your transactions are safe, secure and encrypted with no programming required. Adds an additional layer of security to SSL with point-to-point encryption for enhanced protection. WooCommerce Order status updates received automatically from the gateway via webhooks. Authorize can capture later direct from the WooCommerce order list Secure “Thank you” page integrated with your WooCommerce store The payment page offers the highest level of security, preventing system administrators and third parties from altering or injecting malicious code. Configuration Visit the WooCommerce settings page and click on the “Payments” tab. Find “BulletProof Payment Gateway” in the list of available payment methods and click “Manage.” Configure the necessary settings, such as API key, user name and password . The Webhook API key is located into your BulletProof portal account->Other services->webhooks (follow the instruction provided at the installation section of this readme file) The Customer Vault feature is only available if you have enabled the Customer Vault feature in your BulletProof Account, otherwise will trigger an error in the checkout. During the initial tests set to “No” Select your processor, if you leave the processor dropdown unselected then will trigger an error in the checkout page. Save changes. Usage During the checkout process, customers will see credit card as a payment option. Customers provide necessary payment details and complete the order. The plugin processes the payment through the BulletProof API. Order status is updated based on the BulletProof API response. Voids are only available in the BulletProof portal, if you void a order at the BulletProof portal then the related WooCommerce order will be changed to status “Cancelled” (only if the order was on status pending or completed) Refunds made at the BulletProof portal will be reflected on the related WooCommerce order, no partial refunds supported at the BulletProof portal. Status at the WooCommerce will be changed only if the order status was pending or completed

3-D Secure Payment Gateway by CardinalCommerce Cardinal Consumer Authentication, leveraging 3-D Secure, helps you: 1. Reduce fraud 2. Accept more sales and improve authorization rates 3. Comply with regulations like PSD2-SCA (in Europe) 4. Reduce manual review for fraud 5. Cut chargeback fees Compatible with the following payment service providers (PSPs): * Authorize.net * Chase Paymentech * CyberSource * First Data * Heartland * Network Merchants (NMI) * PayPal PayflowPro * And more Support for Visa, MasterCard, Discover, American Express, JCB, and Diner’s Club. Call 877-352-8444 to receive credentials and get started! Protect Your Online Store From Fraud with 3-D Secure CardinalCommerce (a wholly owned subsidiary of Visa) offers a rules-based 3-D Secure (3DS) solution called Cardinal Consumer Authentication. Protect your web store from fraud, reduce false declines, reduce manual review of orders, and improve your authorizations. Supports Verified by Visa (VbV), Mastercard SecureCode/Identity Check, Discover ProtectBuy, and American Express Amex Safekey. Activate Cardinal Consumer Authentication to Comply with PSD2 SCA If you sell to consumers in the European Economic Area (EEA), and use acquiring services in the EEA, then you will be required to comply with the PSD2 requirement for Strong Customer Authentication (SCA). Your online store must support SCA for all digital transactions starting September 14, 2019. (Mastercard will require issuers, merchants, and acquirers to support SCA in the EEA starting in April, 2019.) EEA countries include Austria, Belgium, Bulgaria, Czech Republic, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the UK. How 3-D Secure Solves for SCA EMV® 3-D Secure (commonly known as 3DS 2.0) authenticates Card-Not-Present transactions to reduce fraud and false declines, and to increase good orders, with a better checkout experience for consumers. The PSD2 SCA requirement can be fulfilled by 3-D Secure because it works on any device and enables two-factor authentication. Why Cardinal Consumer Authentication is THE Merchant Solution Cardinal Consumer Authentication is an industry-leading solution for merchants to authenticate digital transactions, leveraging 3-D Secure. CCA balances the risk of the transaction with the consumer experience and authenticates most transactions behind the scenes. There is no consumer impact or interruption to the checkout process in most cases, and CCA uses consumer-friendly challenge methods to limit friction when necessary. EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC Resources Why do I need 3-D Secure or Strong Consumer Authentication? What is Strong Consumer Authentication? How do I get ready for PSD2 compliance?