Fraud and Risk Management

Prevent Chargebacks

It is important for merchants to make sure their customers are protected from fraudulent transactions in order to avoid chargebacks. Credit card disputes, or “chargebacks”, present the biggest obstacles to running a successful e-Commerce business.

Basically the process of chargeback goes as follows - cardholder files a dispute, and issuing bank makes an investigation into the complaint. After the transaction is proven to be fraudulent the bank will refund the original value to the cardholder.

The problem for the merchant is not only the loss of the entire value of the transaction but also the chargeback fee and risk of being labeled by the associations as a fraudulent merchant. If merchants chargeback ratio exceeds over a certain threshold the processor can shut down the merchant account and place them on a MATCH or TMF file and they may never be able to get a merchant account again. Our Fraud and Risk Management system provides a sophisticated suite of fraud detection and prevention options helping to avoid chargebacks.

Fraud and Risk Management System

GatewayPay uses following tools for protection from fraudulent transactions:

SSL Technology

The SSL security protocol provides data encryption, server authentication, message integrity, and optional client authentication for a TCP/IP connection.

  • Negative Account Blocking
  • Domain Blocking
  • Country Blocking
  • Prevent Duplicate Transactions
  • IP Activity Limit
  • Large Transaction Notification
  • Address verification
  • CVV2/ CVC2

3D Secure

This service is known as Verified by Visa and MasterCard SecureCode. A transaction using Verified by Visa/SecureCode will redirect cardholders to the website of their card issuing bank. The cardholder may then be requested by their bank to enter a password to be authenticated. If a customer is not registered with 3D Secure then they are still able to make a purchase from you web site.

3D Secure

ReD Shield® is a real-time, online fraud prevention solution tailored to the requirements of major ecommerce merchants and payment service providers (PSPs)

  • enables merchants to reduce chargeback rates and false positives, maximizing revenues
  • reduces the time and costs associated with manual reviews
  • makes it easy for customers to buy, encouraging repeat business
  • helps merchants create a positive multi-channel experience
  • helps merchants safely expand into new markets
  • delivers customized, business-focused fraud mitigation strategies

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Credit Card Processing

Advanced solutions to target customers worldwide.

Gateway Pay securely processes transactions in over 150 currencies for all major credit cards, including Visa, MasterCard, American Express, Discover, Diner's Club, Carte Bleue and JCB.

Multi Currency Conversion

Overcoming barriers to successful global strategies.

Solutions to overcome the currency barrier and prevent chargeback risks by making customers feel as if they are shopping in their own country and in their own currency.

Direct Debit

Direct deposit but initiated by the beneficiary.

A direct debit or direct withdrawal is an instruction that a bank account holder gives to his or her bank to collect an amount directly from another account. It is similar to a direct deposit but initiated by the beneficiary.

Mobile Pos

Manage your bills online.

Gateway Pay is an eCommerce agent with fully functional software that enables complete control and collection management of bills in a web server and the generation of Boletos Bancarios in a virtual store.

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