NMI Payer Authentication

Credit Card Authentication with a Pass Code and Smart Device or Frictionless Flow with a Multipoint Visa Secure or Master Card Identity Check.

We accept the following payment methods on our Site:

• Credit Cards - Visa and MasterCard - Major Canadian Banks Excepted: TD Canada Trust, RBC - Royal Bank of Canda, BMO - Bank of Montreal and Scotia Bank - Bank of Novia Scotia (As of Oct 22, 2022, all Issuing banks and Aquirers are required to use the 3D Secure 2.1 and 2.2 Payer Authentication Protocols). Smaller credit card companies still do not offer 3D Secure for ecommerce and these transactions are presently rejected by our Payer Authentication settings for those card holder's protection and will require the card holder to use a credit card from a major bank. (Payer Authentication will also reject your transaction if the AVS is not correct. Please note a verified billing address through our AVS system is still required for us in order to ship to any address.) 
• (Credit card transactions are not captured until the products have been allocated at the warehouse for shipment):
  

• Verified by Visa and MasterCard Identity Check This allows Visa and MasterCard to verify that the transaction in process is in fact the card holder placing the order. A verified card holder must then accept the responsibility for the transaction and the also shipping address based on the primary billing address supplied for the signature required delivery. Proof of delivery is stored with our records and can be retrieved for the customer if and when requested. Please contact use if the wrong item was received or if the packaging used to deliver the item was damaged. For defective protects we will assist you in contacting the manufacture if you are having issues with the included limited manufacture warranty.
• CAVV Cryptographic Value: This cryptographic value is generated as a confirmation receipt that is sent to the issuing bank and the merchant proving the transaction was Authenticated. It is then followed by the ECI Code value that refers to the level of security used in the authentication process (Code 5 and 6).
• What is Frictionless Flow: This is when the Issuer after a Challenge Authentication has been requested [AReq Value: 04 = Challenge requested (Mandate)] has determined that no further information is required to validate the identity of the card holder during an online transaction. After completing a multi-point check the issuing bank also confirms: Enrolment Status, Authentication Status and Signature Status based on the Terms and Conditions of Visa excepted by the Card Holder.
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