is a key concern for all parties when transacting
online business. At CCAvenue, we have ensured
you have no worries on this front as you
expand your operations in cyberspace. Listed
here are our key security measures:
Handling your customers' sensitive data
adopts stringent security measures to
ensure that critically sensitive information,
such as your customer's personal information
and their credit card details, are protected.
customers' entire credit card Authorization
is done using ICICI E-PAYMENTS LTD.(PAYSEAL)
High End Secure Payment Gateway.
customers enter all their personal information
and credit card details on CCAvenue's
secure server and the same is encrypted
before it is transmitted over the Internet
to the PAYSEAL payment gateway.
technologies for CCAvenue's server
server is behind security firewalls to
ensure maximum protection of your customer's
details. This guarantees that your information
is inaccessible to any third party.
uses industry-standard SSL (Standard Sockets
Layer) Technology, which is used worldwide,
for this data encryption.
CCAvenue also follows strict in-house
security guidelines for ensuring confidentiality
of your customer information.
the Payment Gateway application software
is maintained at PAYSEAL'S secure high
end server, new payment technologies,
standards and features are automatically
implemented as they emerge. PAYSEAL'S
payment gateway is integrated with risk
management component, which empowers them
with the ability to control risk effectively.
These robust risk management tools and
fraud filters include:
1) Risk Management Rules and Parameters.
2) Negative Files.
3) Risk Management Queries, thereby making
your E-commerce transactions safe and
Certified Security standards
is registered with Verisign, the world's
best and most trust worthy
Net Authentication Agency. Click
here to verify our certificate.
Hence, with CCAvenue by your side, the
benefits of the latest technologies are
yours without you having to change your
interface. Stay ahead in the rapidly changing
landscape of E-commerce. For now, no matter
how fast the transactions grow in volume,
regardless of your website size or hosting
environment, things never go out of control.
is Card Verification Method (CVM)?
The Card Verification Method, or CVM , consists
of a 3 or 4-digit numeric code that is printed
at the back of the credit card along with
(after) the credit card number, where the
card holder signs in his signature on the
card. This additional 3 or 4 digit numeric
code is not embossed on the card nor available
in the magnetic stripe. This additional 3
or 4 digit is code is featured / incorporated
on all Master Cards and Visa cards issued
worldwide, including cards 'Valid only in
India and Nepal'. Visa calls this security
feature as CVV2 and Master Card calls it as
The purpose of CVM is to ensure that the person
submitting the transaction is in possession
of the actual card, since the code cannot
be copied from charge slips / receipts or
skimmed from the magnetic band. CCAvenue requests
your customer to provide this numeric code
for your order and submits it with the authorization
through the Citibank gateway. The card processor
(i.e. Visa or Master Card) will then validate
the code supplied with the number on record
for the specific card, and return a match/no-match
Securing your customers
According to a Gartner Group survey, 98% of
the credit card numbers that the hackers /
fraudsters are able to collect, are through
charge slips thrown away by retailers / restaurants
/ Shopping Malls etc., which contains the
Card Holder's Name, the 15 or 16 digit credit
card number and the expiry date. This extra
3 or 4 digit numeric code is not printed anywhere
in the charge slip. Therefore the hackers
/ fraudsters cannot use these credit card
numbers on CVM-validated transactions.
World Wide statistics have shown that fraud
rates on transactions with verified CVM codes
have been significantly lower than those for
transactions without CVM (fraud rates on CVM-validated
transaction are reportedly 90% lower than
those for non-CVM transactions). The Card
Verification Method process is an expensive
proposition for the payment gateways and is
therefore not incorporated by any Payment
gateway in India with the sole exception of