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Security and Fraud

Robust and flexible anti-fraud solutions and security measures

We know fraud activity is a major concern for ecommerce merchants. With our proprietary risk rules engine, you can minimise fraud by detecting and stopping it before it occurs.

An integral part of processing transactions through our merchant account and payment gateway is the wide range of built-in, fraud prevention tools and features available. This includes leading validation tests and fraud-detection services to prevent and detect fraud.

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Risk Rules Engine

The merchant account and gateway includes a proprietary “Risk Rules Engine” that customizes rules designed to minimize fraud on all payment types. They include velocity triggers, geo-IP blocking, customized AVS triggers as well as country and region blocking.

Address Verification System (AVS)

Used to verify the identity of the person claiming to own the credit card. The system will check the billing address of the credit card provided by the user against the address on file at the issuer of the credit card.

CVV and CVV2 match

Used to verify that the person making the transaction is in possession of the credit card by validating the three or four digit code on the front or back of the card.

Positive and negative databases

Checks against “negative databases” to validate whether card numbers match those that have produced fraud or chargebacks in the past. Checks against “positive databases” to recognize trusted customers that have made previous purchases.

Geo-IP address verification

Flags transactions originating from uncommon or suspicious computer configurations.

BIN lookup

Validates the card-issuing bank by checking the BIN (Bank Identification Number) on the credit card (i.e. the first six digits of the credit card number).

Velocity checking

Used to screen multiple payments that originate from the same IP address by checking for repeated transaction attempts from the same computer or network.

Phone number verification

Validates that the phone number provided with the credit card matches the billing information for that card.

Device fingerprinting

Analyzes the source of the transaction to determine previous and current computer behavior, including whether the computer has visited the website before, is white-listed or black-listed, has attempted to use multiple credit cards in rapid succession, is part of a botnet, or is hiding behind a proxy.

Cardholder authentication

Accepts the transmission of data for merchants enrolled in Verified by Visa™ or MasterCard SecureCode™.

3-D Secure™

To further prevent fraud, our gateway supports transactions from merchants enrolled in the 3-D Secure™ programs. 3-D Secure™ is a standards protocol created by Visa and MasterCard to add further security to transactions being processed over the internet. Visa offers its program as Verified by Visa (VbV) and MasterCard as MasterCard SecureCode. Both these services offer protection against fraud-related chargebacks at the time of purchase. These services verify the authenticity of cardholders, ensuring that only the actual cardholder can use it to make purchases on the internet. Cardholders sign up for the VbV service through their issuing financial institution and choose their own personal password to authenticate themselves online - learn more >>>


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Thawte Security
Data Protection Act 1998: Reg No. Z3544745
Anti-Money Laundering Registration No.12709698
PCI DSS Certified





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