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