Online Risk & Fraud - Data Validation

Protect your online business from online fraud, stop chargeback's!

Data Validation - This is one of the first checks our Fraud & Risk Management system executes when receiving an online payment from your website. The Data Validation validates first all basic parameters such credit card number, debit card number, bank account number, ABA routing number on authentication.

If such prameters are "approved" our system goes a layer deeper, the system looks at "unreal" names (sdfsdf sdfsdfs), "unreal" email accounts (john@xxx.com) and "unreal" physical addresses (something 123, state: New York, City: Los Angeles).

Our Fraud & Risk Management detection system reconizes many parameters that just "don't make sense" and put's such transactions in a "pending" stage. One of our Risk & Fraud specalist will review the transactions manually and will decide (together with you) if certain transactions should be submitted for processing or not.

  • GEO Location Validation - Compares the consumers actual Location and compares it to the Payment Details, Address Location, Phone Number and IP Address.

  • Doublet Validation - Looking up multiple transactions in our banking network by: Name, Payment Details, IP, Email, Phone Number and Address Location.

  • Black List Validation - Validation against our and our networks databases looking up previous chargeback's, fraudulent activity and more. We have over 10 years of blacklisted payment details, personal consumer details, chargeback details, charged back IP addresses, charged back Emails and more.

  • Velocity Validation - Together with your Citopay's dedicated Risk & Fraud manager you will impose limits such as daily, weekly and monthly limits together with maximum transaction amount per transaction, per day, per week and per month.

  • AVS Validation- We look up that the address provided by the consumer matches the actual registered address at his/ her bank.

  • Dispatchers Validation - Our Risk & Fraud system allows you together with your dedicated Citopay's risk and fraud manager to set dispatchers on; BIN, Country, IP, Time Frame, Failed transactions and more.
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