gexor - 10:06 pm on Jul 16, 2010 (gmt 0)
Risk vs Reward
What type of product are you selling? High ticket? High risk?
You do realize what the point of VBV/SC is right? An attempt to establish that the purchaser is the card holder. As a merchant this benefits you by providing a liability shift to the card holder or the issuing bank. Also, some merchant account issuers (TD Canada Trust) will offer a break on the discount rate if the merchant agrees to use set levels of fraud prevention.
Straight from the horses mouth (page 11):
Canadian PDF Material from Visa but I'm sure the same PDF exists for US clients.