Cash Advance Features

  • No security taken in Home, Business, Equipment or Inventory
  • No personal guarantee for repayment
  • No penalty for slow payment
  • No coupons or cheques to write or post
  • No application fee

Card Security

At Merchant Financing, a division of Decimal Factor Limited** , we want to help you maintain and comply with the highest security standards available in the industry to keep your business safe and protect your cardholders' valuable information. As such, we are fully compliant with the PCI Security Standard Council's DSS — a multifaceted and rigorous security standard—and are accredited by Visa and MasterCard's own compliance standards. We have specialists working to meet the highest security standards our industry demands, and who are dedicated to fighting card fraud.

We offer the highest level of security protocols and processors to help combat fraud, but merchants are the frontline of defense when it comes to fraud. There are a number of things you can do to maximise the security of payments and keep fraudsters at bay.

Security for card not present transactions

Fraud is a risk when you cannot see either the card or the cardholder, but the credit card industry developed several methods in order to reduce the risk of fraud.

Security code

Credit card holders who order via telephone, mail, fax or on the internet need to have their credit card number, the expiry date — and in addition the security code on the back of the card (MasterCard security code CVC2 / Visa security code CVV2).

This additional safety feature ensures that the credit card is held by the buyer in order to reduce the usage of stolen or counterfeit cards. The security code is neither embossed on the front site of the credit card nor does the magnetic stripe contain the information.

Learn more :

CVV2 FAQ Visa Guide to CNP UK Visa CVV Mandate

Verified by Visa / MasterCard SecureCode

In order to increase safety for payments by credit card on the internet the card associations Visa and MasterCard developed the security standards Verified by Visa and MasterCard SecureCode.

Both methods are based on 3D Secure technology and verifies online payment with a credit card by the legitimate card holder through a password interrogation process. The password requirement of an online purchase replaces the cardholder's signature at a POS purchase.

By offering 3D Secure, when Visa or MasterCard payments are used online, merchants profit from a liability shift and receive proof for an authorised purchase which restricts his liability in case of a chargeback.


** Merchant Financing, a division of Decimal Factor Limited operates in association with, and this offer is made through, Elavon Financial Services Limited, a company registered in Ireland. Elavon © 2009 is a trademark Elavon Inc, in the United States and other countries. All rights reserved. Visa®, MasterCard®, JCB®, Maestro®, Diner's® and American Express® ® are trademarks of their respective owners. All rights reserved.