Complete 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
All expected external risk checks, like Schufa, Infoscore, ThreatMetrix, ReD Shield, Gatekeeper, Deltavista
Internet Payment Service Provider Compliance (IPSP)
Payment Facilitator (PF) Compliance
Chargeback and Fraud Forecasting Methodology
A large number of third-party risk checks and database providers that are integrated with PAY.ON
Effective risk scoring
Transaction Rule Development
High-Risk Due Diligence (e.g. Entertainment, Pharmacy, Forex, Gambling, etc.)
Merchant Due Diligence
Merchant Application Service
Individually tailor checks and set exit conditions
All checks are done in real time based on our vast database of debits, chargebacks and other historical transaction information and are scored accordingly.
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.