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eMerchantPay and miiCard Cooperate to Eliminate Payments Fraud and Enable High Value Transactions

Using Both miiCard's Trusted Identity Proofing Service and eMerchantPay's International Payment Platform Gives Merchants a More Secure, Compliant Transaction Processing Solution

CAMBRIDGE, MA -- (Marketwired) -- 03/20/14 -- Innovation Project, Booth #8 -- Online identity proofing service miiCard today announced a cooperation with eMerchantPay, a trusted international payment processor, to offer its merchants a secure, compliant payment processing platform in combination with the miiCard service that eliminates payment fraud and enables higher value transactions. miiCard is featured today at booth #8 in Annenberg Hall on the Harvard University Campus as part of PYMNTS.com Innovation Project 2014.

miiCard's patented identity verification solution enables merchants around the world to conduct high value transactions purely online while eliminating identity-related chargebacks and Card Not Present fraud. As a consumer-driven identity service, miiCard provides a seamless, real-time verification experience before the payment process that establishes the customer's identity to the same level as an in-person photo ID check.

"Online fraud -- identity fraud in particular -- is an enormous problem and growing bigger every day, forcing merchants to find effective and efficient ways to minimize risk without infringing on the user experience," said miiCard CEO James Varga. "miiCard and eMerchantPay help merchants eliminate fraud while also empowering them to expand their business with new, higher value products and services that can outpace the competition."

Identity theft costs businesses $21 billion annually [Javelin Strategy & Research] with nearly half of these fraudulent transactions occurring online and every $1 in fraud costing a business $3.10 in total loss. In recent cases, miiCard has been proven to completely eliminate all instances of online identity fraud within the first 30-days of deployment.

miiCard's Level of Assurance 3+ identity verification and authentication service leverages the authority and security inherent in a member's online financial accounts to prove identity to a passport or photo ID standard. The miiCard platform offers a wide range of features for financial service companies including identity proofing, personal data, strong multi-factor authentication, financial transaction data and security features available through simple API's and hosted services.

About miiCard

miiCard is a consumer centric global online identity service (IDaaS) platform that establishes true trust online by guaranteeing an individual's identity to the level of an offline photo ID check, completely online and in just minutes. miiCard helps businesses eliminate fraud, reduce manual processing costs, and prevent high rates of dropout when offline identity checks are required. A member-driven service, based on the principles of Bring Your Own Identity, miiCard empowers consumers to proactively manage their digital identity, build trust online, and trade and transact with confidence. miiCard is available in ten countries and can verify over 350 million people today.

About eMerchantPay

eMerchantPay is a trusted international online payment processor, with merchant customers in over 40 countries across the globe. Innovative payment solutions offering authorization and funding in more than 150 currencies and various languages, plus dedicated account managers providing personal service that is second-to-none make international online payment processing easy, convenient and affordable. Quality, long-term, global banking relationships, plus in-house risk liability and accountability enable eMerchantPay to offer merchant accounts to businesses of all types and sizes, even in high risk situations where approval has previously not been secured.

Founded in 2002, the eMerchantPay Group is a privately held corporation headquartered in Europe with offices in Boca Raton, Fla., the United Kingdom and Sofia, Bulgaria. eMerchantPay Corporation is a member of the Electronic Transactions Association. eMerchantPay Limited is a United Kingdom Financial Services Authority (UK FSA) licensed payment institution. The Group's operations in Bulgaria are ISO 9001:2008 certified by Lloyd's Register Quality Assurance (LRQA) and its gateway and solutions are Payment Card Industry Data Security Standard (PCI DSS) Level I compliant.

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