IDENTITY TOOLS

Check Verification Services

Check Verification is a great tool for merchants accepting ACH and Direct Debit payments to help reduce bad debt risk.

Check Verification Services

Card Security Schemes

Card Security Schemes are also known as CV, CVV (Card Verification Value), CVV2, CSC (Card Security Code) and CID.

Card Security Schemes

Delivery Address Verification

Delivery Address Verifcation (DAV) checks a provided address to ensure it is a deliverable and valid address.

Delivery Address Verification

Consumer Authentication

Consumer Authentication is also known as 3 Domain Secure, or 3D-S. It is now in version 2.0, also known as EMV 3DS. Specifc 3D Secure programs include Visa Secure (formerly Verified by Visa), MasterCard Identity Check (formerly MasterCard SecureCode), American Express SafeKey, Discover and Diner's Club ProtectBuy, and J/Secure for JCB transactions.

Consumer Authentication

Credit Check

Credit Checks can be used as a source to check a consumer's identity by comparing the information provided to what is on the consumers credit report.

Credit Check

Age Verification

Age Verification is typically used for regulatory compliance in adult, alcohol, gaming and gambling sectors. It is a tool that attempts to determine the age of the consumer at the time of purchase.

Age Verification

Identity Authentication

Identity Authentication confirms the personally identifiable information provided by a consumer by matching or verifying data elements that are associated with the same person, such as confirming a phone number and address are associated with a name.

Identity Authentication

Out of Pocket Checks (KBAs)

Out-of-Wallet Checks are also known as Out-of-Pocket Checks and Knowledge Based Assessments (KBAs).

Out of Pocket Checks (KBAs)

MasterCard SecureCode

MasterCard Secure Code is a form of 3-D Secure Consumer Authentication that applies to MasterCard Credit and debit (Maestro) transactions. Verified by Visa, American Express SafeKey and JCB J/Secure are similar services.

MasterCard SecureCode

Deposit Check

Deposit Checks validate a consumer is the owner of an account by depositing a small amount of money and requiring the consumer to confirm the amount of the deposit.

Deposit Check

Advanced Address Verification (AAV)

Advanced Address Verification, or AAV+, is a service offered only by American Express that goes beyond AVS checking the shipping address, email and phone number of the cardholder in addition to their billing address.

Advanced Address Verification (AAV)

Verified by Visa VbV

Verified by Visa is a consumer authentication mechanism also known as 3-D Secure. It is intended to validate the authorized cardholder is the one attempting to make a purchase online.

Verified by Visa VbV

Telephone Identification

Telephone Identification can also be known as Phone Type Verification, TNI, Telephone Authentication and Phone Identification

Telephone Identification

Freight Forwarders

Freight Forwarders are also known as gray market shippers and mules.

Freight Forwarders

Telephone Verification

Telephone Verification can also be known as Phone Verification, Automated Call Back Services, and Phone Verification Services.

Telephone Verification

Reverse Lookups Phone/Address/Email

Reverse Look-ups cross check the name, address and/or phone information provided by a customer against third-party resources to verify the association of these data points.

Reverse Lookups Phone/Address/Email

Email Authentication

Email Authentication determines the validity of an email address and associates that email with identity data, such as information on social networking sites and from other public and private data sources.

Email Authentication

Address Verification Service (AVS)

AVS stands for Address Verification Services and it is a tool that checks the billing address provided matches the one on file with the cardholder's issuing bank.

Address Verification Service (AVS)

Return Email

Return Email checks validate that a consumer owns an email account by requiring them to validate the sale by using a link, code or password sent to the provided email address.

Return Email

Identity Document Verification

Identity Document Verification confirms the legitimacy of an identity document, such as a passport, Driver's License or national ID card, by performing automated and manual checks to determine the authenticity of a consumer provided document.

Identity Document Verification