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Internal Risk Checks within the Payment Gateway

Reduce Fraud and Chargeback fees with a self -service Fraud Prevention Tool

The payments gateway, an essential part of eCommerce Payments solution, features a number of integral risk checks, providing a powerful and convenient safeguard for domestic and cross-border transactions. A major challenge for fraud prevention is maintaining strong defences without compromising the shoppers' checkout experience, or inadvertently denying legitimate transactions.

Too often, risk management lowers conversion rates. integral risk checks configurable within the gateway's user interface, are easily adapted to meet your business needs, no matter the industry or channel. detecting, analyzing, and managing fraudulent transactions with the optimal balance between fraud prevention and conversion.'s Internal Risk Checks enable PSPs, acquirers, and their merchants to:

  • Configure risk check settings through the user interface
  • Adapt to unique and changing business conditions
  • Set up rapidly for immediate protection
  • Automate transaction flagging for manual review
  • Protect themselves from fraud without additional contracts Payments Gateway provides merchants with a choice of integral risk check options, which can be mixed and matched to create different setups.



Velocity checks efficiently stop fraudulent transactions by identifying suspicious shopping behaviour based on the number of transactions a shopper attempts. Velocity checks are premised on the idea that the more uses of a data element (e.g., a credit card) in a predefined time period (e.g., 24 hours), the higher the risk. Once a merchant has analyzed shopper data and identified transaction trends, velocity checks can then be set to stop fraud. The checks can be based on account, IP address, or email address, and configured by channel. Each merchant has unique shoppers, with unique behaviour, which is why the gateway features velocity checks that can be adapted to each individual case.


Shoppers frequently make mistakes when entering payment data. Honest reasons include negligence or fear of sharing sensitive data. Yet fraudsters constantly seek new ways to deceive merchants. plausibility checks identify five types of incorrect entries-for example, matching a card's BIN with the IP address country-prior to the transaction, to prevent accounting errors, chargebacks, and fraud.


Using a shopper's GEO IP location enables merchants to ensure shoppers are not using anonymous proxies or falsifying their address, activities that raise the likelihood of fraud. GEO IP checks are a simple way for merchants to quickly identify and flag the riskiest transactions.


Block fraudulent purchases and admit legitimate ones by automatically comparing shoppers against black and white lists using information such as account details, IP address, email address, payment method, and other specific categories. Two types of black and white lists are available. With option 1, merchants can create their own black and white lists based on BIN codes, credit card numbers, or email addresses. Any shopper placed on a blacklist will be rejected immediately, while trusted shoppers on white lists will circumvent any burdensome risk check.

With option 2 merchants benefit from's black and white lists which include anonymized data from merchants already integrated into the gateway. maintains permanent and timeframe-based black and white lists that merchants can use to block fraudsters and open the door to genuine sales.


3D Secure is an additional security layer for online credit and debit card transactions, ensuring that it is the legitimate cardholder and retailer participating in a transaction. PSPs, acquirers, and merchants using 3-D Secure remove themselves from liability for fraudulent transactions. The gateway offers 3D Secure for Visa, MasterCard, Amex, JCB, Diners, and Ban contact, via an in-house merchant plug-in (MPI).

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