Fraud prevention

Prevent fraud – protect yourself and your shoppers

While most shoppers generally pay for items with their actual credit or debit card when shopping at brick and mortar retailers, online shops only require the card data in order to complete a purchase. Transactions like these, when the card is not physically present, represent an opportunity for fraudsters. These fraudsters are also becoming increasingly skilful. Indeed, chargebacks with a total value in the millions are already being performed every year. Our intelligent fraud prevention protects both you and your shoppers – without unnecessary compromises in terms of sales.

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These benefits really pay off

Intelligent fraud prevention

Detect and block fraudsters without turning away genuine shoppers. Our intelligent process prevents both chargebacks and unnecessary loss of revenue.

Tailor-made risk assessment

In a personal meeting, we analyse the requirements of your sector. We then put together the best solution for your business from over 40 available tools.

Continuous further development

Fraudsters are inventive and ingenious. To ensure that we are always one step ahead of them, we continuously adapt our fraud prevention strategy to incorporate the latest findings.

How online fraud often occurs

Fraudsters spy out credit card details or get hold of personal details of online shoppers on the dark web.

Fraudsters visit online shops, claiming to be the owner of the stolen means of payment. They order products in the name of the actual owner which they can then easily sell on.

Neither the online retailer nor the actual owner of the means of payment know anything about the data theft. Unaware that anything illegal is happening, the retailer dispatches the products to the fraudster's address.

The rightful owner of the means of payment notices the fraud and commissions the bank to reverse the payment. The retailer then not only loses both the products and revenue, but must also pay chargeback fees.

Stopping fraudsters, accepting genuine shoppers

An online shopper pays with an American credit card. The value in the shopping basket is far above average. The shopper specifies a delivery address in one country – but his IP address indicates that he is in a completely different country. When various factors like this do not match, this is often a sign of fraud. We employ a wide range of parameters in order to differentiate between genuine shoppers and fraudsters. This helps us avoid both chargebacks and any unnecessary loss of revenue.

Detecting and breaking fraud patterns

In an effort not to be detected, fraudsters often operate to specific patterns. For example, they might start by placing several small orders within a short space of time. Once they have established a history with the respective online shop, they then suddenly purchase significantly more all at once. Our pattern recognition systems detect these tactics and prevent the fraud before any financial losses are accrued.

Managing fraud risks individually

Several sectors are particularly attractive for fraudsters. These include electronics and jewellery. However, we use our many years of experience in these sectors to reduce the fraud risk specifically for your company. In a personal meeting, we work together to analyse the requirements of your business. We then compile a tailor-made solution from over 40 individually configurable risk checks that can be flexibly combined with one another.

  • Over 40 risk checks that can be individually activated and combined with one another
  • Fraud detection with the aid of artificial intelligence
  • Access to comprehensive internal positive and negative data
  • Connection to the most important national and international credit agencies

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Integrate solutions individually

We offer you personal and individual consulting on how you can integrate our solutions optimally into your existing environment.

Integrate solutions quickly and conveniently

Our uncomplicated onboarding process familiarises you with our solutions quickly, so you can get everything up and running right away.

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Large enterprise solutions

We offer large companies tailor-made solutions. These address the individual requirements of their specific sectors and portfolio.

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Solutions for online marketplaces

Process mixed shopping baskets from various retailers. Uncomplicated commission calculation and payment. Fast onboarding of new sellers. Discover our marketplace solutions

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Online solutions

A central single payment gateway, the most common payment methods from one source, MOTO and recurring payments: increase your sales with our online solutions.

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FAQs on this topic

What does "fraud prevention" mean?

Online retailers use fraud prevention to protect themselves from fraud and data abuse in real time during the ordering process. An online shop operator or eBusiness owner can rely on various credit and plausibility checks here. These are performed before the actual payment is made. Adopting this approach allows incorrect address data, e-mail address, stolen account or credit card details and negative credit ratings to be checked via blacklists and credit agencies. In addition to this, the fraud prevention modules offer protection through blocking of IP addresses and duplicate bookings, as well as use of session and limit checks.

What is a chargeback?

The Internet is more susceptible to credit card abuse than brick and mortar retailers. The card-issuing banks are obviously keen to protect their cardholders. This is why they allow them to refute a payment. This process is referred to chargeback. Here, the amount originally debited is credited back to the credit card account. As a general rule, cardholders have up to 180 days to refute a payment and trigger a chargeback.

What do the expressions "card present" and "card not present" mean”?

A card-not-present transaction is a card payment for which cardholders do not physically present their card at the time of placing the order. This is, for example, the case when ordering items from a catalogue by post, fax, telephone or the Internet.