Secure Vault Payments removes the authentication “middleman,” and increases customer confidence in e-commerce.

Enhance your relationships with customers by allowing them to use what they're already comfortable with—your online banking interface—to complete transactions securely and privately.

The SVP Transaction Model

1. When your customer visits a sponsored Secure Vault Payments merchant or biller and wishes to pay for goods and services or pay a bill, they choose the Secure Vault Payment option on the checkout page.
2. The merchant securely provides purchase data to your institution through the SVP Network Switch and redirects the customer to your secure banking site for authentication.
3. Once your institution has validated the purchase or bill payment information and authenticated your customer, you complete the transaction by routing your customer back to the merchant receipt page.
4. Your institution provides payment to the merchant or biller by sending an ACH Credit file to the merchant or biller's financial institution.