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Protect Plus

 

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:

 

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Protect Plus does not guarantee against fraud. You should consider all data regarding a transaction before accepting the payment.

 

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.

 

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By default, we automatically suspend authorised transactions where the results are “CHALLENGE” or “DENY”. This will allow you to investigate further and make a more informed choice on whether or not to authorise a suspicious transaction. This behaviour can be changed. Please contact our Support Team for further information.

 


 

Configuration

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.