Risk & Fraud Management Solutions

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1 Risk & Fraud Management Solutions

2 Protect Your Business and Reduce Fraud Transaction Type Summary Last 14 days 150k 100k 50k 0k Auth Settle Sale Payout Chargebacks Fraud E-commerce has evolved tremendously over the last few years, and accepting online credit card payments has become a necessity for online merchants. These Card Not Present (CNP) transactions come with their own set of challenges, of which credit card fraud is the most common. That is why emerchantpay has assembled a comprehensive set of fraud-scrubbing tools that protect the merchant as well as their customers, without compromising the shopping experience. Our risk-rule fraud management system uses the latest technologies that enable transaction scoring behind the scenes. This seamless solution ensures reduced fraud levels and lowers chargeback losses. Maximising the merchant s revenue while minimising their financial risk is our main priority. 2

3 Extensive Risk and Fraud Management Tools Through its payment gateways emerchantpay has integrated with a wide variety of fraud-scrubbing tools to scrub e-commerce transaction. We use tailor-made risk rules specific to your business business' needs. Our team of experts monitors your processing activity in real-time and reaches out to you when fraud is suspected. Tools 3-D Secure payer authentication Verified by Visa (VbV) and MasterCard SecureCode Address Verification Service (AVS) verifies the cardholder s billing address by comparing it to the one on record at the credit card company BIN country check cross-checks whether the card issuer s country matches the one provided by the cardholder Device fingerprinting a combination of third party tools that help to identify users coming from the same (mobile) device, as well as identifying the true IP address, geolocation and if hidden proxy addresses have been used Telephone authentication and verification a tool supported by a third party provider, fully integrated with our system that maintains a detailed database of shoppers. It also creates automated voice calls or SMS texts with a one-time PIN code that consumers use for authentication at the checkout page Payment Card Industry Data Security Standard (PCI DSS) Compliance PCI Level 1 gateway providers, including our own proprietary gateway solution PCI Scanning Services an integrated solution that helps our merchants reach PCI DSS compliance Positive lists and whitelists accept transactions based on matching cardholder information from your own and emerchantpay s databases Unique fraud management system real-time transaction technology with extended customisation options for merchants Transaction thresholds and limits predefined limits for a transaction, including minimum and maximum amount, and limits per approved transactions per day, week and/or month Velocity checking stops repetitive attempts with the same credit card within a specific period of time Negative lists and blacklists a proprietary database including blacklisted card numbers, and IP and addresses 3

4 Complimentary Risk Management Consulting Services Our professional Risk Management experts with up to date knowledge on the latest fraud schemes and risk management techniques are at your disposal for any question that you might have. With over a decade of experience, emerchantpay s experts offer guidance on minimising risk, decreasing fraud exposure and reducing financial losses. Spot potential fraud before it occurs with extensive fraud and risk monitoring Reduce actual fraud losses associated with non-cardholder approved transactions Decrease chargeback and dispute expenses by prohibiting unauthorised transactions Trim operating costs related to fraud investigation Secure your business with a hosted, PCI compliant, SSL-encrypted gateway solution Optimise your defence with complimentary risk management consulting and training 4

5 About emerchantpay emerchantpay is an established payment service provider that provides international online, mobile and POS payment processing services to merchants across the globe. emerchantpay s fraud prevention services and payment processing solutions enable merchants to increase their conversion rates, expand their customer reach and prevent fraud. Innovative payment solutions, processing in more than 150 currencies and various languages, plus dedicated account managers providing personal service make emerchantpay a knowledgeable specialist and an innovative partner for businesses of all types and sizes. Contact us United States t: e: United Kingdom t: e: Netherlands t: e: 2016 emerchantpay. All rights reserved worldwide. emerchantpay is a trademark of emerchantpay Ltd. All other solutions and company names are trademarks of their respective owners. emerchantpay Ltd. is a United Kingdom Financial Conduct Authority (FCA UK) licensed Payment Institution. 5

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