Optimise profits through advanced risk management

Product facts

The challenge in risk management is to keep the fraud out while letting the good customers in. To achieve this goal, a fixed set of basic risk checks just does not cut it anymore.

To avoid leaving money on the table, you need a wide selection of best-of-breed tools to choose from and adapt to your merchant's needs. We offer the largest range of risk management tools on the market. It can be easily mixed and matched to fulfil the needs of your clients in all industries.

We offer:

  • A complete data validation
  • All expected basic risk checks
  • A wide selection of intelligent risk checks
  • A large number of third-party risk checks and database providers that are integrated with PAY.ON
  • A complete set of credit assessment tools, such as 3-D Secure, AVS, CVV, etc.
  • Comprehensive monitoring of transaction patterns
  • Extensive manual review functionalities
  • Effective risk scoring
  • To individually tailor checks and set exit conditions


We serve a variety of payment and financial institutions worldwide. Therefore, our more than 120 internal risk management tools can be applied to transactions involving e-commerce, remittance, adult entertainment, MLM (multi-level marketing), travel, pharmacy, dating, gaming and gambling.

We have several years' experience in creating the perfect fit for your merchant's risk set-up.


  • Minimise chargeback fees, fraudulent and unauthorised transactions
  • Increase conversion rate rather than refusing good business
  • Customise filter settings according to your business needs
  • Increase reputation through minimising fraud
  • Easy to use – no special technical configurations needed

Technical features

To achieve a state-of-the-art risk management, all checks offered by Processing Partners can be easily activated through the business intelligence system. No technical configuration is needed. Activation of additional external risk checks is also available.

All checks are done in real time based on our vast database of debits, chargebacks and other historical transaction information and are scored accordingly.

  • Data validation, like doublet checks, black and white lists
  • General checks, like BIN checks, address verification
  • IP-based checks, e.g. anonymous proxy or geo-location built on Neustar IP (formerly Quova)
  • Plausibility and velocity checks
  • Intelligent fraud detection algorithms
  • Authentication checks, like 3-D Secure, email, SMS, bank account or credit card authentication
  • Monitoring and control through data-mining correlation tests
  • External risk checks, like Schufa, Infoscore, ThreatMetrix, ReD Shield, Gatekeeper, Deltavista

Transactions that are below a predefined and fully customisable threshold are declined; the rest are approved.

Create an optimal risk check procedure

risk check procedure

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