First Atlantic Commerce certifies for 3-D Secure™ with Europe’s leading banks and processors

FAC is now certified to Allied Irish Bank, Elavon & Barclays for Verified by Visa and MasterCard® SecureCode™

Hamilton, Bermuda, October 27, 2010. First Atlantic Commerce (FAC), an international, online payment gateway and fraud management solutions provider, today announced its latest 3D Secure™ implementations with Allied Irish Bank Merchant Services (AIBMS), Elavon and Barclaycard.

AIBMS, a joint venture between AIB and First Data, is Ireland’s largest provider of card acceptance services, and a global leader in electronic commerce and payment services. Elavon is a leading global provider of merchant acquiring services. And Barclaycard is one of the largest payment processors in the UK.

FAC is now certified to AIBMS, Elavon and Barclaycard for 3-D Secure™ Verified by Visa and MasterCard® SecureCode™.

By certifying for 3-D Secure™ with Europe’s leading banks and processors, FAC enables merchants to use FAC’s simple “3-D Secure only” payer authentication solutions to obtain liability shift for chargebacks on certain reason codes.

3-D Secure™ can be used effectively to determine the enrolment status of the Issuing Bank and the cardholder so merchants can pre-determine the risk profile of new consumers in advance of the first transaction. This means that merchants can determine if they would have issuer liability shift on a chargeback based on the authentication response data.

“The key factor here is that our 3-D Secure™ consumer authentication service does not require that the merchant use our payment gateway for clearing,” said FAC’s VP of Marketing & Communications, Tricia Lines Hill. “Merchants can use their existing payment gateway alongside our MPI so the authentication can be done as either a standalone solution or in conjunction with payment processing.”

FAC also offers North American Address Verification services and CVV2/CVC2/CID verification as standalone solutions. Combining AVS, CVV2 data matching and 3-D Secure™ only solutions provides merchants with valuable pre-screening card data.

FAC’s online payment and risk mitigation solutions are compliant and PCI certified, and also available to banks and processors in other regions including Europe, CEMEA and Asia.

For more information on FAC’s approach to authenticating consumers online, banks and processors should contact today or visit the company’s website –

About First Atlantic Commerce
First Atlantic Commerce (FAC) is a leading Internet, multi-currency payment and fraud risk solutions provider. Headquartered in Bermuda, and established in 1998 to create secure card-based payment solutions for e-businesses, FAC’s cGate® technology offers service, flexibility and security to adapt to many business and bank acquirer requirements. 

FAC provides merchants with multi-currency payment solutions in addition to fraud and data management services including AVS, CVV2/CVC2/CID, 3-D Secure™ and IP Geolocation in multiple jurisdictions across Europe, Asia and the Latin American Caribbean Region. For more information, please visit 

Media Contacts

First Atlantic Commerce
Tricia Lines Hill – VP Marketing & Corporate Communications
Tel: 1.441.294.4625
Email: or


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