3-D Secure™ authorization reduces the likelihood of chargeback incidents occurring with registered cards in two ways:

1. It is now much more difficult to use a stolen credit card, as Payments cannot be completed without entry of the owner’s identifier.
2. Merchants may contest transaction disputes more effectively as it can be demonstrated that the disputed Payment was authorized by the owner.

In addition, Merchants have the opportunity to advertise the security and reliability of their online payment solution, in turn attracting the business of those Users who may be reluctant to submit credit card data online. The safety of online purchases made with the Merchant is demonstrated to users by the presence of the 3-D Secure™ authentication page. As the authentication page of both card networks is branded by the User’s card issuing bank, User confidence in initiating the transaction is reinforced by brand familiarity.

Finally, as all communication with the card networks is undertaken by CQR, Merchant partners of CQR have little to no requirement (depending upon the chosen integration method with CQR) to change their existing card processing procedure in order to take advantage of this added layer of transaction security.