Secure payment
All the payment pages on this site
are protected by a security certificate -
you can check its authenticity by clicking on the logo >>
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Payments by card are processed by the Saferpay system. When you place your order and select payment by card, you will be redirected to Saferpay Secure Card Data which securely saves the card data in its bank-certified data centre. Only non-sensitive data, such as the card validity and cardholder's name, remain on our database. |

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The Payment Card Industry Data Security Standard (PCI DSS) was established to certify that ALL companies which accept, provide, store or transmit cardholder data, maintain a secure environment.
It was launched in September 2006 to respond to constantly evolving card payment security standards, with a particular emphasis on improving cardholder security during transaction processes.
Supersmart is assessed annually in order to ensure it complies with PCI DSS standards and receive certification (see : "Validation Certificate")
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All card and payment-related data are stored in Saferpay's database in accordance with the requirements and storage periods with which credit companies must comply. After this period, which is in principle 6 months, the data are automatically deleted.
Saferpay only stores data necessary for the technical processing of payments. Early deletion of data relating to payment and authentication is not possible.
Personal data are not stored unless they are required (technically) for the processing of payments.
In the case of a complaint or retrospective transaction, the merchant must be able to access the stored payment details. Such information is only available to the merchant via the Saferpay account from which the payment was made.
All data are treated in complete confidentiality and will not be passed to third parties.. |
Saferpay has set the standard for E-payment solutions and is synonymous with secure payment on the Internet. With Saferpay, on-line merchants and cardholders alike can be completely assured of the security of purchases made on the Internet. Businesses across the globe appreciate the Internet payment security Saferpay offers them.
Saferpay integrates all popular on-line payment methods through a single interface which facilitates the application of adaptations and upgrades. In addition, Saferpay enables the secure online processing of phone and posted orders.. |
3D Secure
The role of 3D Secure
Internet transactions are classed as 'cardholder not present' (CNP) transactions. Until recently, there was no easy way for you to identify a cardholder and confirm that it was indeed the legitimate cardholder entering the card details.
A significant proportion of chargebacks can arise as a result of the cardholder denying that they authorised a transaction. It is traditionally very difficult for you to successfully appeal against this sort of chargeback. The 3D Secure technology is designed to reduce the possibility of fraudulent card use by authenticating the cardholder at the actual time of the transaction and subsequently reducing your exposure to disputed transactions and chargebacks of this type.
What is 3D Secure?
3D Secure stands for Three Domain Secure - the payment industry's internet authentication standard which has been developed by the major card schemes. Visa has called their version of the scheme 'Verified by Visa' and MasterCard have called their equivalent initiative 'MasterCard SecureCode'. These are both collectively referred to as 3D Secure.
3D Secure authentication requires the cardholder to register their card to take advantage of this service. This is a one time process which takes place on the card issuer's website and involves the cardholder answering several security questions to which only the card issuer and cardholder will know the answer. The cardholder selects a password and agrees on a secret phrase, which will be used by the card issuer during each online transaction.
3D Secure can be thought of as an online version of 'Chip and Pin' technology, whereby the cardholder has a personalised password registered with their card that is entered during the checkout process. 3D Secure is predicted to become the industry standard by the end of 2007 and all online consumers will soon become as familiar with this, as when they enter their 'Pin' number at a cash machine or till in a shop.3D Secure can be thought of as an online version of 'Chip and Pin' technology, whereby the cardholder has a personalised password registered with their card that is entered during the checkout process. 3D Secure is predicted to become the industry standard by the end of 2007 and all online consumers will soon become as familiar with this, as when they enter their 'Pin' number at a cash machine or till in a shop.
How does 3D Secure work with Supersmart?
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Each time a cardholder attempts to make a transaction using Supersmart, after entering their personal card details on the Supersmart payment page, the Supersmart system automatically checks to see if their card is enrolled in the 3D Secure scheme.
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Some schemes are not yet fully enabled for 3D Secure but these are expected to be enabled over the next few months.
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If the cardholders' bank is participating, the cardholder is taken to their card issuers secure website where they enter their 3D Secure password. The payment is then taken as normal and the cardholder is smoothly delivered back to the merchants confirmation page.
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If a cardholder of a bank who is participating in the 3D Secure scheme has not yet enrolled, by default, they are offered the opportunity to register. They can then either sign up for 3D Secure, and proceed with the transaction or decline to sign up and proceed with the transaction as normal. Different card issuers may implement a maximum decline limit before the cardholder is made to sign up to 3D Secure.
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Supersmart will attempt a 3D Secure check on each card transaction - if the cardholder's bank are not currently participating in the 3D Secure scheme, the transaction will be processed without a 3D Secure check.
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All Supersmart Merchant Accounts are now 3D Secure enabled as standard and each Supersmart card transactions is checked to see if the cardholder is registered for 3D Secure. Merchants and Sellers should use the notification of the 3D Secure checks as an additional fraud prevention tool in conjunction with existing fraud checks such as AVS and CV2 to help you minimise your risk of fraud.
What are the advantages of 3D Secure?
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The key attraction to you as a merchant is that once a cardholder registered with the scheme has input their correct 3D Secure password during a transaction and this has been successfully authenticated (and providing that they are acting legally), the liability of a chargeback arising from the cardholder denying that they authorised the transaction, should shift from you (the merchant) to the cardholder's issuing bank.
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If a customer is not yet registered with the scheme, the fact that the transaction is checked by Supersmart for 3D Secure compliance should give similar protection from the customer denying that they processed the transaction (providing the customer's bank is participating in the 3D Secure scheme).
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Early adoption - 3D Secure looks set to become the leading security system for online credit card transactions. Give your customers peace of mind and show you care about their security.
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No additional fees.
Are there any limitations of 3D Secure?
Ultimately, the risk of fraud lies with you, but Supersmart feel it is vital to provide you with the necessary tools to help you to protect your business and manage and reduce your exposure to fraud, chargebacks and their associated costs.
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3D Secure authentication should not be used as a complete fraud prevention tool, but should be used in conjunction with existing fraud checks such as AVS and CVV2 to help further minimise your risk of fraud.
Commons questions answered
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Which cards are checked for 3D Secure?
Visa and Mastercard
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Can I opt out of 3D Secure checks?
Unfortunately not, to help you manage the fraud risk from stolen card details all Supersmart transactions are checked for 3D Secure. Supersmart is working hard with you to reduce the level of online fraud and we want all our Merchants and Sellers to benefit from this new, increased level of protection.Unfortunately not, to help you manage the fraud risk from stolen card details all Supersmart transactions are checked for 3D Secure. Supersmart is working hard with you to reduce the level of online fraud and we want all our Merchants and Sellers to benefit from this new, increased level of protection.
For more information you can consult the website of the main British Banks