Fraud monitoring
Screening rules that stop the transactions worth stopping without turning away good customers.
Two kinds of cost
Fraud tools are usually judged on how much fraud they block. The more useful measure is total cost: fraud losses plus the revenue lost to declined good customers. Rules that are too aggressive quietly cost more than the fraud they prevent, and the loss is invisible because a declined honest customer simply does not come back.
How the setup works for your account
Velocity rules
Flag repeated attempts from the same card, device or address in a short window.
AVS and CVV filtering
Decline or hold on billing address and security code mismatches, with tolerance you control.
Geographic and BIN rules
Restrict or review by issuing country or card type where it fits your business.
Review queue
Hold borderline transactions for a human decision instead of a hard automatic decline.
Tuning the rules
Start with review, not decline
Hold suspicious transactions first and watch what the queue contains before you start rejecting outright.
Measure both sides
Track fraud losses and false declines together. Optimizing one alone will cost you money.
Revisit after changes
New product lines, price changes and promotions all shift what normal looks like.
Stop the dispute before it becomes a chargeback.
When a cardholder disputes a sale, the alert networks tell us before it turns into a chargeback. You refund inside the window and it stops there: no chargeback, no fee, and nothing counted towards the ratio that gets merchant accounts closed.
Ethoca, CDRN and Visa RDR, worked from one portal with a countdown on every alert. Four fields to create your account, and pricing is confirmed in writing before anything is switched on.
Sign up for protection
Common questions
Does fraud screening stop chargebacks?
It reduces genuine-fraud disputes. It does not affect friendly fraud, delivery complaints or subscription disputes, which are often the larger share.
Will this slow down checkout?
Automated rules run in milliseconds. Only transactions routed to manual review are delayed.
Who decides the rules?
You do. We configure them with you and revisit them once there is real data.
See what your processing should actually cost
Send a recent statement, or your monthly volume and average ticket. You get a written breakdown back — no commitment.