When enabled on your account, Protect Plus provides an additional layer of protection. By making use of the industry’s largest negative database, it performs a comprehensive suite of fraud assessments (including identity checks) against the UK electoral roll and BT databases.
How it works
What checks are performed?
We analyse the customer’s billing, delivery and payment details using a rule-based system to detect suspicious patterns in user activity. Our system will assist in making a decision on whether to process a customer’s transaction based on the perceived level of risk.
Checks performed include:
- The industry’s largest negative database.
- Neural-based fraud assessments.
- Tumbling or Swapping, where there is an unusual usage pattern in the card number, expiration date or customer details associated with a transaction.
What happens after the checks are performed?
The Protect Plus system will analyse transaction details and assign one of the following statuses:
|ACCEPT||The details are not deemed suspicious.|
|CHALLENGE||Further investigation is recommended.|
|DENY||The details are suspicious and a transaction should not be performed.|
To enable Protect Plus on your Secure Trading account, please contact our Sales Team. Once Protect Plus has been enabled, it will automatically be processed with every payment made through your payment page, without any additional configuration on your system. It is recommended that your system submits as much data as possible as this will improve the accuracy of the checks.
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