Verisign 128 bit and CVM authentication process

Security is the main concern when for money transaction on web, the authentication and payment process are influenced by the authenticity of the site and the security of transacting money on it. We have been selling educational products since 1999 yo our customer worldwide and we use CCAvenue, one of the Asia's largest verisign authenticated payment gateway with more than 2000 merchants affiliated to it.
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Here are some of our security measures:

Handling customers' sensitive data
CCAvenue™ adopts stringent security measures to ensure that critically sensitive information, such as your customer's personal information and their credit card details, are well protected.
Our 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 payment gateway.

Secure technologies for CCAvenue™ 's server.
CCAvenue™ 's server is behind state of the art security firewalls to ensure maximum protection of your customer's details. This guarantees that your information is inaccessible to any third party.
CCAvenue™ uses industry-standard SSL (Standard Sockets Layer) Technology, which is used worldwide, for data encryption.
It also follows strict in-house security guidelines for ensuring confidentiality of your customer information.
Since the Payment Gateway application software is maintained at CITIBANK'S secure high end server, new payment technologies, standards and features are automatically implemented as they emerge. The payment gateway is integrated with risk management component, which empowers them with the ability to control risk effectively.

Internationally Certified Security standards.
CCAvenue™ is registered with Verisign, the world's best and most trust worthy Net Authentication Agency. Click here to verify CCAvenue™'s certificate.

FAQs

What is a payment gateway?

A payment gateway is a software program integrated with the website to transmit transaction data to the credit card / Net banking acquirer for authorization and settlement. We perform real-time credit card authorizations from a web site over the Internet. The time taken is normally few seconds for the whole transaction.

Which are all the credit cards that I may use in your website for online transaction?

Any MASTERCARD, VISA, JCB, Diners Club, Citibank E-cards and AMERICAN EXPRESS credit cards issued anywhere in the world may be used for online transaction on our website.

Can I trust you with my credit card?
We realize that making a purchase online involves a great deal of trust on your part. We also take your trust very seriously, and it is on our highest priority to ensure the security and confidentiality of the transaction. We have been in this business since 1999 and have been listed with Network solutions registrar since 2001. We sell products worldwide. We also provide our contact information in terms of address, phone, e-mail explicitly on contact us page. Please do cross check, for any doubts that you may have.

What about the security measures of my online transaction?

Our website is powered by the payment gateway CC Avenue which uses the most powerful Verisign secure socket layer (SSL) for encrypting customer data during transmission. To put this into non-technical terms, it would take 340,000,000,000 years for today's fastest computers to crack Verisign SSL.

Do you have access to my credit card number ? What if my Credit Card Details are stolen from your server?

We do not maintain or capture the details of your credit card. When you check out you will be taken to a Credit Card Authorization Service provided by CCAvenue.
All your personal information and credit card details are encrypted on CCAvenue's secure server before it is securely transmitted over the Internet to the PAYSEAL payment gateway. CCAvenue's server is behind security firewalls to ensure maximum protection of your details. This guarantees that your information is inaccessible to any third party including us. CCAvenue uses industry-standard SSL (Standard Sockets Layer) Technology, which is used worldwide, for this data encryption.

What 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. Visa calls this security feature as CVV2 and Master Card calls it as CVC2. Therefore the hackers / fraudsters cannot use these credit card numbers on CVM-validated transactions.


Why CVM?
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 response.

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).

For more purchase related quries refer our FAQ - buyer