Accept Payments with Advanced Fraud Prevention

Layers of Fraud Protection

• AVS (Address Verification Service): matches billing address against card issuer records
• CVV verification: confirms the customer has the physical card
• 3D Secure 2.0: shifts chargeback liability to the card issuer for authenticated transactions
• Velocity checks: flags multiple transactions from the same card, IP, or device in a short period
• Device fingerprinting: identifies returning devices across sessions
• AI/ML fraud scoring: assigns a risk score to each transaction based on hundreds of data points

3D Secure 2.0

3D Secure 2.0 (Visa Secure, Mastercard Identity Check, Amex SafeKey) adds an authentication step to online transactions. The cardholder verifies their identity through their bank's app or a one-time code, and liability for fraud shifts from you to the card issuer.

Version 2.0 is frictionless for low-risk transactions. The issuing bank evaluates risk factors behind the scenes and only challenges the cardholder when something looks suspicious.

Chargeback Alert Services

Chargeback alerts from Ethoca and Verifi notify you when a cardholder disputes a transaction before it becomes a formal chargeback. You can issue a refund proactively, which prevents the dispute from hitting your chargeback ratio.

For high-risk merchants, chargeback alerts are essential to maintaining your merchant account.

Getting Started

Our partner network includes fraud prevention tools as part of your payment processing setup. Basic tools (AVS, CVV, velocity checks) are included at no extra cost. Get a free quote to see which fraud prevention tools are included with your processing plan.

Frequently Asked Questions

What is the most effective fraud prevention tool?

No single tool prevents all fraud. The most effective approach combines AVS, CVV verification, 3D Secure 2.0, velocity checks, and AI-powered fraud scoring in a layered defense strategy.

How much does fraud prevention cost?

Basic tools (AVS, CVV, velocity checks) are typically included with your payment gateway at no extra cost. 3D Secure and chargeback alert services cost $25-$40 per incident or a monthly subscription fee.

What is a chargeback alert?

A chargeback alert notifies you when a cardholder disputes a transaction before it becomes a formal chargeback. You can issue a proactive refund to prevent the chargeback from affecting your ratio.

Does 3D Secure reduce sales?

3D Secure 2.0 is designed to be frictionless. Low-risk transactions pass through without customer interaction. Only suspicious transactions trigger a challenge. Conversion impact is typically 1-2%.

How do I reduce my chargeback ratio?

Use clear billing descriptors, ship with tracking numbers, collect CVV and AVS on all transactions, implement 3D Secure, and subscribe to chargeback alert services. These measures typically reduce chargebacks by 50-70%.