Gold Edition

Product Overview

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Gold Edition Setup Fee 0.00 € Monthly Fee 0.00 € Transaction Fee 0.08 - 0.06 € Order Now

The Gold Edition contains the maximum amount of anti-fraud filters, and is a great tool for merchants looking for complete control over their transactions. This package offers a full set of anti-fraud filters and has a great arsenal of tools for merchants who take credit card payments. Among many other great filters, this package enables you to compare the buyer's location and the country of the credit card, to detect if the buyer is using a proxy, to mark suspicious transactions. VFraud will flag new, incoming transactions that look like the suspicious transactions you have marked, etc. You will be able to see if the buyer is using a credit card from a country outside of the country he/she is buying from and you will be able to flag countries that you consider "high-risk". VFraud will lower the burden and costs of your risk management significantly.

The Gold Edition gives you the ability to integrate the VFraud system directly into your own payment module or website. This gives you the opportunity to screen transactions before they are submitted to your Payment Service Provider. In addition, you get access to the VFraud Web Interface, which allows you to review all the transactions run through VFraud. Furthermore, the Web Interface means you can run anti-fraud screening manually.

• Updated Monthly
• Under constant development and expansion
• Total control of your transactions
• New anti-fraud filters are developed and added to compensate for newly discovered fraud
• Great for gathering market data
• Multiple subscriptions packages available
• Accurate and up-to-date data source
• Supports countries worldwide
• Free customer support

Besides the advanced fraud screening, VFraud also offers you the ability to collect important data about the cardholders who buy your products and services. With VFraud you are able to track the details of each customer, and this is delivered in real time as a report. This report can be used for marketing purpose, to see consumer trends, behavior, and card trends together with statistics on returning customers.

Below you will find a short list of some of the data that can be used for marketing purposes and trend analysis:

• Card types used
• The use of card types separated by brand
• Advanced stats by grouping the sex of your customers
• Customer's country
• Where do your customers come from?
• How much money do your customers spend on your website?
• Are your customers female or male?
• First time or returning customer
• Turnover Peek dates
• Peek date, most turnovers on the day of the week
• Trend curve, with consumer key data

With the market data VFraud delivers, you are able to easily design and setup your website and products to the demands of your customers, you are able to target your marketing better because your company will know what your customers want and where they are located. If you are planning specials or want to try to grow new markets then VFraud market data will help you to succeed.

The table below briefly describes the filters currently available in this package. Most filters can be setup and used in many different ways.

Filter	Description
Amount Average	Calculates the overall average transaction amount and checks if the incoming transaction amount exceeds the average with a given percentage.
BIN Country	Checks for which country this credit card comes from, and compare it against a white/blacklist for a match. It is designed to detect if the credit card is from a “high risk” country. With this filter you are able to either make a blacklist or a whitelist, depending on which countries are specified as “high risk” countries.
BIN vs IP	Checks if the credit card and the IP address being used are form the same country. This filter detects if for example a German credit card is being used from a location in the UK or any other combination of countries.
Blacklist	Blacklist a transaction on some defined data. This means if the transaction data contains the data defined in the blacklist, the filter will be triggered.
Blacklist IP	This filter gives you the possibility to add an IP address to the blacklist and if the IP address is being used to make a transaction this filter will be triggered.
Data Comparison	This filter checks if the same data has been used before in an earlier transaction. For example if the same credit card has been used more than once in a defined time frame or if the same IP address, address, email, name, phone, etc is being used more than once in a defined timeframe.
Decline Percentage	If the decline percentage in the VFraud system rises above the defined allowed decline percentage, this filter will be triggered.
Distance	Calculates the distance, in kilometers, between the cardholder address and the shipping address and checks if this distance exceeds the distance specified in the filter.
Free E-mail	Checks if the e-mail address being used, is a free email.
Identical Data	Check if transaction data is identical to another transaction made within a given timeframe. This filter can be set up in many combinations, for example if the two transactions come from the same IP address or they are using the same credit card number.
IP Country	Checks from which country this IP is from and holds it against a list of white/blacklisted countries. It is designed to flag transactions that are made from “high risk” countries. It can for example be setup to flag all transactions made from outside EU or from a none-OECD country or any other combination of countries.
MIN/MAX Filter	Checks if the transaction amount is within the given interval. This filter is designed to detect if the transaction amount is greater or lower than the predefined amount.
Proxy Detection	Screens the transaction against our database of known transparent proxies. If the cardholder is hiding behind a known transparent proxy, this filter will trigger an alarm.
Shipping Address	The filter can be setup to detect if the credit card, the IP address and the recipient of the goods is from the same country.
Time Frame	Checks if the transaction is made within a given time frame. It can be setup to use the time zone of the shop or the time zone of the cardholder. This filter is designed to flag transactions that had been made outside a given time frame.
Volume Growth	Checks if the growth of transactions or transaction amount exceeds the predefined percentage in a given time frame. This is specially designed to detect sudden rise of transactions and/or transaction amounts.
Watchdog	This filter allows the you to add a transaction for observation. This means that the filter will keep track of other incoming transaction that looks like the transaction under observation. It will compare the pattern/data of the transaction under observation and report if this is recognized in other transactions. It can be setup to automatically add special transactions to the observations list. This could for example be transactions that are marked as “stolen card”.