CyberSource Offers Free Fraud Prevention to Small Business Users

Smaller merchants can now buy both payment and fraud screening at a price competitors charge for payment services alone. Also, the company has extended support to all leading online shopping carts. CyberSource Smart Authorization features allow merchants easy access to and control over standard fraud checks offered by the card associations, plus additional value-added fraud checks from CyberSource. With these fraud control tools in place, merchants can now review orders that may deviate from the strictest standards, and accept those that are legitimate. Less sophisticated systems mandate an outright accept/reject choice based on crude approval criteria and can turn away a high percentage of good orders. Smart Authorization means considerable potential for conversion of order rejections to increased sales. The higher security of the value-added fraud control checks also mean resellers can earn more residuals and encounter fewer chargebacks. CyberSource Smart Authorization comes as part of one of the most complete and reliable small business payment solutions available, CyberSource Small Business Edition [http://www.cybersource.com/products_and_services/small_business_edition/]. Advantages of the solution include: Payment choices: In addition to standard credit cards, Small Business Edition merchants may also accept PayPal from their customers. A recurring billing solution using Cyber Source TotalCollect technology will be available to Small Business Edition users this summer. Industry-leading uptime: The CyberSource eCommerce platform delivered 99.99% uptime for all of 2003. Secure datacenters and transactions: CyberSource datacenters are Visa Cardholder Information Security Program (CISP) and Visa Account Information Security (AIS) certified. CyberSource Small Business Edition uses industry standard security technologies for secure transmission of data. Built-in transaction monitors validate the source of order initiation to guard against programmatic hacker attacks. Easy implementation: Small Business Edition comes in a variety of formats from the simplest web-based virtual terminal (requiring no development) to ready-to-implement shopping cart integrations, hosted order pages, and direct integrations into the merchant website. The program includes a web-based management dashboard and free support from CyberSources award-winning customer support team. Easy channel selling: CyberSource provides all support, billing, and collection activities, leaving the channel free to sell. Merchant boarding and tracking tools are streamlined and simple. Marketing materials are provided. Competitive pricing: CyberSource Small Business Edition carries competitive pricing with other leading brands that offer payment only-not the full package with built-in fraud tools and other powerful features listed above. Availability CyberSource Small Business Edition is available now and will be demonstrated in the CyberSource booth (#613) at the Electronic Transactions Association Annual Meeting and Expo in Las Vegas beginning April 20th. The recurring billing solution for Small Business Edition will be available in the summer of 2004.