Real-time scoring, device fingerprinting, 3-D Secure 2, and behavioral analytics — fraud screening tuned for ecommerce, not generic risk rules.
What does ecommerce fraud screening actually look at?
Real-time scoring evaluates AVS/CVV match, device fingerprint, BIN country vs ship-to, velocity (same card / same device / same shipping address), and behavioral signals (mouse movement, time on page). Good engines combine all of these into a 0–100 risk score with action thresholds.
How is 3-D Secure 2 different from 3DS 1?
3DS 1 was redirect-based and tanked conversion. 3DS 2 is invisible for low-risk transactions (frictionless flow) and only steps up to challenge on specialty ones. Authenticated transactions shift chargeback liability to the issuer.
When should I step up to manual review?
High-AOV orders, first-time customers with mismatched billing/shipping, and any order flagged by velocity rules. Manual review on 1–3% of orders typically catches 60%+ of remaining fraud.
How does this reduce chargebacks?
Fraud screening prevents the fraud chargeback (code 10.4 / 4837) before it happens. Pair with chargeback alerts to catch friendly-fraud disputes (code 13.x) after the fact.
Frequently asked questions
How fast can you get approved?
Most ecommerce merchants are approved within 24 hours of complete application submission. Files with chargeback history or international processing may take 48–72 hours while underwriting reviews trailing statements.
What does it cost?
Interchange-plus pricing — typically 2.4% + $0.10 per transaction with no setup fee and no monthly minimum. You see interchange cost, assessments, and our markup on a single itemized statement.
What if I've been terminated by another processor?
We work with merchants who've been dropped by Stripe, Square, and PayPal. Bring documentation of the termination plus 3–6 months of processing statements and we'll review your file.