Our credit card payment service provider is Nochex – one of the largest independent payment service providers in the UK. Nochex provides a secure payment gateway for processing payments for the customers of UK-based online businesses.
The utmost priority of Nochex is to ensure all sensitive transaction data is handled in a safe and secure manner.
Sensitive information is encrypted in transit using the Secure Sockets Layer (SSL) protocol. Nochex uses the highest commercially available encryption key length of 256-bits provided by GeoTrust.
Nochex uses a range of security methods including fraud screening, IP address blocking, and 3D Secure. All sensitive information is held in an encrypted form on Nochex servers using techniques recognised as robust and secure by the industry.
You will know your payment session is in a secure encrypted environment when you see https:// preceding the website address, and/or you see a locked padlock symbol alongside the website address. This means when buying through our website, you can be confident your personal and sensitive data is totally secure and completely protected.
Authorisation requests for card transactions are made through a secure private network connection to the banking payment system. Nochex transactions are checked for participation with 3D Secure – the leading ‘internet authentication protocol’. 3D Secure stands for 3 Domain Secure.
There are 3 parties involved in the 3D Secure protocol:
- The vendor
- The acquiring bank
- Visa and MasterCard
3D Secure is a culmination of Verified by Visa and MasterCard Secure Code. 3D Secure is the latest fraud prevention initiative launched by card schemes as a secure method for authenticating the shopper at the time of transaction. This protects you from your card being used fraudulently.
All transactions are automatically AVS (Address Verification Service) and CV2 (card security code) checked by Nochex as standard. AVS checks involve verifying the cardholder’s address against that of the registered billing address of the card being used. CV2 checks involve verifying that the 3 digit security code (found on the back of the card) entered by the card holder, matches that held by the card issuer.