Payment Gateway Fraud Prevention

How to minimize and prevent fraudulent attempts on a Gateway

Merchants that are using online gateways are a lot more vulnerable to malicious web scammers. To prevent these scammers, set a special level of protection - right off the bat.

This article is designed to help set "fraud modules" in Payrix Gateway, BMS CHARGE and Authorize.Net for new and existing accounts. 

•  Payrix Gateway

•  Authorize.Net

Payrix Gateway

1. Open Payrix Gateway and Go to the "Fraud Center" tab - By default, you are now in the Fraud Modules sub-tab
2. To change fraud setting for ALL sources, Click "Add Module" by Universal Fraud Modules. Or to change fraud settings for one specific source, click "Add Module" next to that source only.

Note:  For "BMS CHARGE" th e look will be different but the module functionality is the same. For BMS Charge  check out this page.

For every account, we recommend implementing the following modules:

• Credit Card Blocker

• Duplicate Detection

• Fraud Profiler

Note:

• Block by Card Country/Country Blocker modules may be useful for merchants experiencing spam attempts from countries outside of their normal acceptance.
• We do not recommend blocking transactions with the Transaction Amount module because this may lead to large transaction amounts from the scammer which can be far more detrimental than the typical $1.00 attempts.

For Payment Forms on Payrix (USAePay)

We recommend implementing the following modules:

• AVS Response

Note: 

•  Merchants that do not take full AVS information but take billing zip codes can use the  Zip Code Verifier module in console 2.
• Always enable the Precheck to prevent a transaction from reaching the Global authorization server.

• Card ID Checker

• Multiple Credit Cards

• Required Fields (if there are additional fields aside from AVS and Card ID being required)

Authorize.net

  Log in to your Authorize.Net

Authorize.net features an Advanced Fraud Detection Suite which can be found by clicking  TOOLS > Fraud Detection Suite > Setup Wizard.

Prevalent options here are   Velocity Filters,  IP Filters,  Transaction Filters,  AVS Filters,  CCV and  Shipping Filters.

Note:  Authorize.net allows merchants to hold transactions without authorizations. This allows you to manually review a transaction and determine whether you want to accept it or not - without incurring authorization costs. 

Limit the number of transactions allowed per day or per hour to identify high-volume fraud.