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
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
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
online - learn more >>>