The Friendly Fraud Challenge:

"Friendly fraud" occurs when a consumer purchases an item, receives it, and without valid reason refuses acceptance of the charge for the transaction by initiating a chargeback with their bank/card issuer. Friendly fraud is basically online shoplifting. When a chargeback is initiated, under current consumer protection regulations, the burden of proof is placed on the merchant to produce irrefutable legal evidence of proof of purchase. More often than not, the final decision favors the friendly fraudster.

SignatureLink's solutions for E-Commerce begin with "friendly fraud" in mind. We are passionate about helping to eradicate illegitimate chargebacks associated with online fraudulent purchases. By instituting a SignatureLink CNPS™ Signature Pad at the online point of sale, fraudulent activity can be reduced as a result of the emotional response associated when humans certify themselves with a signature. Capture signatures in real-time and get proof of purchase for every order. SignatureLink, Inc. has teamed up with USDT© Corporation to provide a range of Charge-back prevention and resolution products and applications to assist the Online Card-Not-Present Merchants in fighting the battle against this costly problem.

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The Friendly Fraud Solution:

The SignatureLink CNPS™ online signature pad is a cost effective solution for merchants of any size from any industry. Merchants choose SignatureLink's Signature Pad technology for its unparalleled patent-pending method of capturing hand-written wet signatures online that are 100% legally binding, and compliant with Federal ESIGN and UETA laws. The virtual signature pad, once deployed, will grant online payment transactions equal access to the same legal protection and defense as card-present retailers.

Introducing SignatureLink CNPS™:

SignatureLink CNPS™ is an online signature pad that allows CNP merchants the ability to convert each Card-Not-Present sales transaction to a Card-Not-Present Signature (CNPS™) sales transaction.

In the history of mankind the wet human signature has always been the ultimate form of legal acceptance for sales transactions.

Visit our Teammate at USDT© to Test Drive an Online Demo

The Benefits of SignatureLink CNPS™:

The SignatureLink CNPS™ online signature pad solution is the missing link for the entire payment processing industry. CNPS™ is a cost effective solution for merchants of any size from any industry to mitigate friendly fraud. By deploying the online signature pad at the point of sale, merchants report a reduction in customer disputes / chargebacks and successful chargeback resolution due to the forensic evidence provided and a higher conversion rate of sales.

• Reduce friendly fraud chargeback's, reduce return orders and improve customer satisfaction.
• Legitimate shoppers feel that payment security is instilled and trust factors reinforced when they experience the online signature pad.
• Because of the signature pads conventional and recognizable format, online shoppers report the signature pad is easy to use and perceive it as a convenience factor.
• Embedding the purchase terms and conditions and / or refund policy into the receipt builds consumer confidence and loyalty.
• 100% of consumer feedback received has been in favor of the new technology.
• Merchants report a decline in chargeback disputes.
• Merchants report successful chargeback dispute resolution due to SignatureLink CNPS evidence.
• Merchants report zero consumer abandonment and a higher conversion of sales.

SignatureLink CNPS™ Process Flow:

Without disturbing the merchant's normal payment processing flow the SignatureLink CNPS™ is able to capture a PCI and HIPPA compliant record of the transaction. Including but not limited to; terms, conditions, return/cancellation policy, biometric forensics and purchaser's wet signature. The process is accomplished by utilizing SignatureLink supplied API's to place a few lines of code within the merchant's website, eCommerce engine / shopping cart.

1. The SignatureLink CNPS™ signature pad is incorporated within the merchant's existing website, eCommerce engine / shopping cart.
2. The consumer / purchaser enters their credit card payment information (i.e. credit card number, expiration date and address) and signs the CNPS™ Signature Pad.
3. The pre-authorization data is captured including all terms and conditions of the sale and sent to the SignatureLink CNPS™ Data Vault via a secure SSL encrypted connection. The transaction then continues along its normal process flow through the payment gateway or processing platform. The issuing bank approves or declines the authorization request.
4. The returning post authorization transaction data is then captured and added to the pre-authorization data. In the case of an approved authorization response, the purchaser is then presented with the merchant's standard order confirmation page with the addition of an embedded link to the CNPS transaction archive for their records. In addition, an optional email of the archived CNPS™ transaction data can be sent to the consumer / purchaser.
5. In the event of a transaction retrieval request, the merchant simply logs into the CNPS™ TransExam™ CNP Chargeback Management System and retrieves a single representment document.

Visit our Teammate at USDT©:

SignatureLink and USDT have come together to provide the Card-Not-Present merchant with a suite of solutions to those unique problems associated with this transaction type. USDT© also has other CNP products that may be of interest. Please visit them at USDTcorp.com.