Fast Charge Payer Authentication

Payer Authentication (also known as 3-D Secure) is a solution created by the credit card associations to provide additional fraud protection by asking cardholders to authenticate themselves to their issuing bank at the time of purchase. A cardholder’s identity is confirmed using one of a variety of authentication methods, and merchants are provided with instant authentication results thereby greatly reducing the risk of unauthorized use.

Marketed as Verified by Visa and MasterCard SecureCode, these programs ensure authentication of credit card holders with their issuing bank, eliminating merchant liability for the most common fraud-related charge-backs, and providing confidence to consumers that their cards cannot be used for fraudulent purchases.

Fast Charge allows merchants to integrate their choice of payer authentication applications into their shopping cart or web based application, and then process payer authenticated transactions through their existing payment gateway account to gain additional protection against chargebacks.


  • Reduces Fraud – Merchants can verify that the person using the card is the cardholder.
  • Charge-back Protection – Authenticated transactions may not be charged back if the cardholder alleges they did not make or authorize the purchase.
  • Increases consumer confidence – Assures consumers that their transactions will be secure, leading to increased sales.
How does the payer authentication process work?

Consumers enroll their Visa or MasterCard credit cards in the Verified by Visa or MasterCard SecureCode programs at their issuing bank's web site. During the enrollment, they choose a password to associate with their card. When they use that card at a merchant enabled for Verified by Visa and MasterCard SecureCode, they are prompted by their issuing bank to 'sign" for the purchase with their password.

Where can I find more information on payer authentication?

Additional information is available at the credit card association web sites:

How do I get started using payer authentication?

Contact Fast Charge customer service for more information on how to activate payer authentication on your account.

Note: Payer Authentication services (Verified by Visa and MasterCard SecureCode) are currently available to merchants that process on FDMS-Nashville or TSYS(Vital) authorizing networks. Additional fees may apply.