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Do acquirers need to submit the Merchant Authentication File (MAF) to Visa's Verified by Visa (VbV) after their merchants are boarded with Payer Authentication?


Doc ID:    C1771
Version:    1.0
Status:    Published
Published date:    08/14/2017
 

Answer


No, acquirers DO NOT need to submit Merchant Authentication File (MAF) to Visa's Verified by Visa (VbV) after their merchants are boarded with Payer Authentication (3D Secure).

Merchants are boarded at CyberSource either by Customer Support or by the acquirers themselves using the Universal Management Portal (UMP). If Payer Authentication is needed for the merchants, their acquirers create 3D Secure accounts and submit the MAF to Visa VbV and JCB JSecure for directory server loading, where the password is generally needed. After then, merchants pass the account information for boarding to CyberSource Customer Support or the acquirers (using the UMP).

Either way, 3D Secure account information is saved into the system of CyberSource's merchant plug-in (MPI) provider, CardinalCommerce. CardinalCommerce has confirmed that they do not use the MAF for Visa VbV anymore. Instead, they use a global certificate for boarding merchants with Visa VbV where a password is no longer required. In addition, this new process performs directory server boarding into Visa VbV automatically. Therefore, acquirers are no longer needed to submit MAF separately to Visa VbV.

IMPORTANT NOTE: For JCB's JSecure, the acquirers are still required to submit MAF directly to JCB even after their merchants are boarded at CyberSource, and the password is still required for MAF authentication processing.



 

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