Maximise profits through modular risk intelligence
The gateway serves a variety of payment and financial institutions worldwide. Therefore, our more than 120 internal risk management tools can be applied to transactions including e-commerce, remittance, adult entertainment, multi-level marketing, travel, pharmacy, dating, gaming and gambling and many more.
We have abundant experience in creating the perfect fit for an optimal risk set-up.
Validation and risk checks can be carried out in a stand-alone transaction, before the actual payment, to allow you to adapt your workflow according to the result. Stand-alone risk checks can be used to determine the payment method selection offered to a shopper. Shoppers with a low score value only have access to payment methods with little to zero risk, e.g. online bank transfer
All checks are executed and scored in real time. Transactions that are below a customisable threshold are declined; the rest are approved. You can also choose to have transactions marked for manual review if they fall within a certain score range.
- Semantic customer validation
- Algorithmic and database account validation
- Black and white lists on account numbers, email addresses, IP addresses, BINs, etc.
- Payment type and ticket size restrictions
- Plausibility checks
- IP-based and geolocation checks built on Neustar IP (formerly Quova)
- Correlation checks
- Fraud-detection algorithms
- Velocity checks on accounts, merchants, IP and email addresses
- Authentication methods such as micro deposits, SMS, email, bank account or credit card authentication
- AVS verification
- 3D Secure (Verified by Visa / MasterCard Secure Code / J/Secure)
- Additional selection of third-party checks available