Fraud Stopper

Preventing fraud is one of the main priorities for the USA ePay gateway. This is why the gateway gives every merchant the Modular Stack Fraud Center. With the proper settings in place, you can prevent 99.9% of fraud.

Address Verification System ...
The Address Verification System [AVS] is an automatic system that verifies that the Billing Address entered by the card holder matches the address on file for the card being processed. The merchant will receive results for the address on both the street portion and the zip code. The merchant can go one step further and choose to reject transactions that do not meet required AVS responses within the Fraud Center's AVS Module.

--------------------------------------------------------------------------------

Card ID [CVV2/ CVC2/ CID] ...
The card ID is the 3 digit number located on the back of Visa, MasterCard and Discover credit cards or the 4 digit number located on the front of an American Express card. The card ID verification is also an automatic verification system that is run on every transaction. As with AVS, the merchant can block transactions based on the card ID results within the Fraud Center's Card ID Module. Some credit card issuing banks will automatically decline their cards' transactions if the card ID result is a "No Match". 

--------------------------------------------------------------------------------

Fraud Control Modules ...
The USA ePay Fraud Center relies on its Module Stack Design. Each module controls a different aspect of security and merchants can choose which modules to put on the fraud control stack. Some examples of modules are duplicate transaction control, block by country (and/or state, city, zip, name...), auto detection of misuse of toolkit by customer (blocks a person from using an eCommerce toolkit after certain number of attempts with different cards), block by IP and many more. The advantage to this design is that it allows the merchant to constantly add/change their fraud controls according to their current fraud needs, and USA ePay is always adding new fraud prevention modules to the Fraud Center keeping it up to date on fraud security issues.  
       
Fraud Stopper also allows merchants to apply different fraud controls to different sources, so a merchant can have high levels of fraud control on their Shopping Cart, but low levels on their console for their own employees.

--------------------------------------------------------------------------------

Buyer Authentication
USA ePay is proud to support the Verified by Visa and MasterCard SecureCode programs. These programs drastically reduce liability from the unauthorized use of credit cards. By adding this extra layer of protection, merchants protect themselves from the costs associated with fraud. You can find out more about this additional form of fraud prevention at our  Visa and MasterCard SecureCode Information Page.

Ready to lose the liability? Just click the sign-up link to the left to get started with the Verified by Visa and MasterCard SecureCode programs.