Merchant Account Services Risk Management Solutions

Merchant account services users, more than most others, need to be able to spot low-risk transactions and take them out of the examination process. For many card acceptors, getting third party fraud scores for each order may not always be cost-effective. You can minimize costs by spotting low-risk and / or low-value transactions - those with possible losses that are lower than the actual cost of scoring - and eliminating them from the fraud scoring process.

CyberSource Risk Management Solutions for Merchant Account Services Users

CyberSource Risk Management Solutions provides fraud prevention for credit card processing account holders of all types. The Decision Manager and Managed Risk Services platform is better designed for mid-to-large size merchant account services users. Authorize.Net's Advanced Fraud Detection Suite (AFDS) is devised for smaller size entities.

• The Decision Manager and Managed Risk Services tool enables mid-size to large merchants to detect fraud more accurately, evaluate more effectively, and achieve better control over fraud detection procedures, for all of the card types and payment brands. Decision Manager utilizes the greatest volume of information available for card acceptors (from the specific merchant, from CyberSource's own multi-merchant database, and all payment data available from Visa), and matches the information to identify possible fraudulent activity.
• CyberSource Decision Manager has more than 200 different detectors, a strong statistical structure developed together with Visa, a fraud case management system, and detailed reporting platform. Merchant account services users can further improve Decision Manager by adding Managed Risk Services, with which CyberSource fraud analysts offer consultation and advice on how to better your fraud prevention system.
• Authorize.Net's Advanced Fraud Detection Suite (AFDS) is a system of rules-based, customizable filters and tools that allow small businesses to identify, manage, and stop suspicious and possibly expensive fraudulent transactions. Several filters and services work in unison to evaluate orders for probable signs of fraud. Their mutually enforced logic provides a powerful and highly effective protection from fraud orders. Filters include order velocity detection, IP address matches and mismatches, and many others. AFDS is additionally used with the Address Verification Service (AVS) tool and the card validation codes (CID, CVV2 and CVC 2). Authorize.Net AFDS is a supplementary service featured in the Authorize.Net Payment Gateway package.

Merchant account services users that use one of these tools and platforms experience many important benefits, including improved customer satisfaction. Increased legitimate order processing as a result of the automated fraud screening process, enabling customers to receive merchandise in a timely fashion, and limiting the incorrectly declines of valid orders.