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Anti-fraud solutions
as standard
All of our merchant accounts
and gateways come with anti-fraud solutions as standard
helping you to avoid fraudsters and also tipping you
off when a transaction looks suspicious or too good
to be true.
The anti-fraud solution supports the latest international
security checks including MasterCard SecureCode and
Verified by Visa. Plus, you can configure your own security
checks using our online management facilities.
As a standard feature, your Web-Merchant account will
be equipped with the following features helping you
to avoid fraudsters and protecting your business against
the risk of fraudulent transactions
Sophisticated risk management
- Our international experience
assists you in maximising revenue and minimising risk.
- Focus is on fraud-reduction,
-detection, and -containment programs.
- Sophisticated tools include
neural network technologies and cardholder authentication
using AVS, CVV2, and micro-deposits.
- Real-time analysts research
transactions, looking for irregular patterns.
- Modeling allows us to review
trends and write rules to block transactions based
on a wide variety of criteria.
- Loss recovery program minimises
retrievals and chargebacks.
- Transaction-screening features,
including verification against our extensive risk-management
database, protect you against fraudulent charges before
they occur.
- Real-time bank authorisation
is obtained for all transactions, ensuring sufficient
funds are available.
Bulletproof data security
- All operations run on fully
redundant hardware platforms and network feeds with
24/7 monitoring.
- Infrastructure is housed in
our world-class, multi-million-dollar data centre,
which features uninterrupted power supplies, backup
power generators, and dual air conditioning systems.
- Server authentication ensures
transaction information comes from a trusted merchant.
- Audit logging tracks all operations,
allowing administrators to quickly isolate and resolve
problems.
- Rigorous intrusion-detection
systems notify administrators of unauthorised access
attempts.
- All data is encrypted
to eliminate unauthorised access.
Experienced Quality Assurance team ensures all security
features are functioning.
Flexible financial reporting
- Real-time reports provide
instant access to view transaction history based on
your requirements.
- Reports can be accessed from
within any Internet browser.
- Reports can be downloaded
and imported into your spreadsheet software.
- Secure connection to the reports
server keeps your business data confidential.
Benefits
- Lower costs by reducing
online fraud
- Increase sales by limiting
the number of legitimate purchases you turn down
- Easy to set your own security
checks
- Reduce the time you have
to spend on transaction analysis
- No software to maintain so
it's easy and hassle-free
- Constantly evolving
and learning, the anti-fraud solution adapts to the
latest threats
Comprehensive support services
Technical Support is available – providing you
with a smooth integration and ongoing assistance. This
above service(s) is provided automatically when you
apply,
Deferred Payments (pre-authorisation)
In addition to the normal online credit/debit card
checks, you may want to make offline checks against
your shopper's credit/debit card. Deferred payment (or
pre-authorisation) gives you the time to make such checks.
The shopper enters their card details as normal, the
online checks are made, and funds are reserved for payment
against the shopper's card. However, the payment is
not completed at the time, but deferred, allowing you
to make additional offline checks against the card.
If you are satisfied with the results of those additional
checks, you complete (or post-authorise) the transaction.
The shopper is now debited, and remittance (the funds
that are made over to you) is made to your account.
If you want to support both standard authorisation
and pre-authorisation on your web site, we will need
to set you up with two remittance accounts. You can
manage pre-auth transactions through to post-authorisation
on the Customer Management System (CMS)
Note: Pre-authorised transactions are effective only
for five working days and, if not post-authorised, will
lapse after this period. This means that the shopper's
card will not be debited and you will not receive remittance
of funds.
This service is provided at no extra cost
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