Description
Credit card payments are a critical component to almost every eCommerce business worldwide. As an eCommerce merchant or professional you are expected to understand how credit card payments work. Who are the players in a credit card transaction? What are the types of transactions you need to process to accept payments? Do all of the credit cards work the same? How fast will you get paid for your transactions? Who is responsible for fraud and when? What fraud tools do the card associations provide?
2026 Edition — Version 2.0 has been completely rebuilt for 2026. It covers Payment Facilitators, digital wallets, virtual card numbers and Buy Now Pay Later, friendly fraud and chargeback management, Visa’s VAMP monitoring program, 3D Secure 2.0, PCI DSS v4.0 and modern privacy rules, plus an advanced lesson on high-risk merchants, international payments and subscription billing. Offered in HTML5 and compatible with all mobile devices.
We Want 100% Satisfaction: There is nothing worse than signing up for training only to find out that it wasn’t on the topic you expected, or it wasn’t advanced enough to provide value. If you have any doubt about the fit of a course to your particular needs, please give us a call. We will be happy to discuss the course, and to provide a more detailed overview on the content to ensure you make the most of your training dollars and time.
Enrollment
- Course Access: Unrestricted
- Course Availability: Online, In-House and Webinar
- Prerequisites: As an introductory level course there are no prerequisites or professional experience requirements to enroll.
The Fraud Practice’s Online Portal and Training Courses:
- Available On Demand 24×7
- Fast, Reliable Online Presentation
- SCORM Compliant
- Includes Course Syllabus
- Includes Course Lessons & Quizzes
- Includes Final Exam
- Course Completion Certificate
Key Concepts Covered
Working in eCommerce means at some point you will need to understand how to setup, negotiate and/or manage your merchant account. Whether you are brand new to eCommerce or an established merchant that has never had the time or responsibility for managing payments, this course will provide you the background information you need to know to be able to layout the payment processes and transactional use cases, as well as to intelligently discuss the business considerations for supporting credit card payments online.
Key Concepts Covered:
- The Payment Food Chain & PayFacs
- Authorization, Settlement & Funding
- Digital Wallets, Virtual Cards & Tokenization
- Buy Now Pay Later
- Chargebacks & Friendly Fraud
- VAMP Monitoring
- Merchant Accounts & Pricing Models
- 3D Secure 2.0 & Machine Learning Fraud Detection
- PCI DSS v4.0 & Privacy Regulation
- High-Risk, International & Subscription Payments
What to Expect
- How does credit card processing work in the online and CNP channel, and who are the players, including Payment Facilitators?
- How do modern payment methods such as digital wallets, virtual cards and Buy Now Pay Later fit into the payment flow?
- What causes chargebacks, why is friendly fraud the leading cause, and how does VAMP monitoring work?
- What fraud tools, such as 3D Secure 2.0 and machine learning detection, protect merchants, and what compliance rules apply?
- What do high-risk, international and subscription merchants need to know?
Expected time to complete training: Approximately 21 minutes of video and 8 minutes of reading, plus lesson quizzes and a 45-question final exam
Course Applicability:
- Payment Types: Credit Cards – All Brands
- Channels: Card Not Present – Focus on eCommerce
- Regions: Global – North America, South America, Europe, APAC
- Level of Difficulty: Beginner – No prior experience or knowledge required
Training Objectives
- Understand the role, function and responsibilities of every entity that can touch an online payment, including who represents whom and how Payment Facilitators fit in.
- Define the stages of an online credit card purchase (authorization, settlement and funding) and explain how modern payment methods build on them.
- Understand how chargebacks work, recognize friendly fraud, and explain how VAMP monitoring affects a merchant.
- Compare merchant account models and pricing, and describe how 3D Secure 2.0, tokenization and machine learning fraud detection protect a merchant.
- Apply PCI DSS v4.0 and privacy-law basics, and evaluate the requirements of high-risk, international and subscription payments.
Continuing Education Credit (CPE)
Taking this course provides 1 Fraud Related Continuing Professional Education (CPE) credit for maintaing CFE credentials with the Association of Certified Fraud Examiners (ACFE).
“For a merchant starting business, if they know about these training programs it would save them a lot of trouble down the road. Unfortunately many don’t learn about fraud until it is too late.”
— B. Holmes, eCommerce Certified Fraud Professional
“The training program is fantastic. You don’t have to download anything, it runs quickly and easily right on your web browser. You can pause and go back to write down or review information, play and navigate through the lessons seamlessly.”
— E. Dietrich, VP Global Fraud Prevention Risk Services, ACI Worldwide
“With my experience I thought I would breeze through the training program with no problem, but I’m finding myself challenged in some aspects and learning things I haven’t seen before.”
— T. Hornbaker, eCommerce Certified Fraud Professional
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