Fraud prevention

The Computop Paygate payment platform offers you a wide range of different functions for preventing fraud. Our experts will work with you to analyse your sources of potential risk, so you benefit from our expertise and from tailor-made Computop solutions.

Computop's fraud prevention measures give you a range of modules that you can use to combat all of the key risks.

Country and IP check

Knowing the country from which the credit card or transaction originates plays an important part in detecting any fraudulent intentions. As the merchant, you decide whether to reject payment from an undesired country straight away or to authorise it in the meantime while keeping up to date by email. Computop determines the credit card's country of origin (MasterCard and Visa) and compares it with the standard country list or with a list that you provide. If the country is not approved or cannot be determined, payment will be rejected or you will be informed by email. The following options are available here:

Identify Suspicious Networks

Fraudsters like to hide their location behind anonymizing proxies or satellite connections. Computop Paygate can identify such networks and allows you to either deny or accept such transactions and send a warning message via email.

Computop Paygate uses IP intelligence in order to identify suspicious Internet connections by analysing your customers’ IP address. Our IP database is evaluated and updated every day. Fraudsters like to hide their location by using satellite connections or anonymizing proxies. Depending on your fraud rules transactions coming from suspicious IP addresses can either be declined or Paygate just sends out a warning via e-mail. In addition to the connection type Computop Paygate can provide you with attributes like country, state and city where your customer is connected to the Internet. With that information merchants can define a Blacklist and Whitelist of countries where they want to accept orders from.

Velocity Checks (SecurePay)

Computop SecurePay allows you to carry out velocity checks. This means you can set transaction limits by defining time against parameters such as card number or IP address. A number of different options can be selected.

For example, Velocity Checks can detect whether the number of authorised payments per day is exceeded. In this case, Paygate aborts the transaction and adds the customer to the temporary blacklist.

Blacklists

At Computop, we differentiate between blacklists created manually by the customer and SecurePay lists generated automatically by Paygate. The way these lists work is as follows:

  • Blacklist: If you have had a bad experience with a certain customer or accounts not covered for earlier debits, you can systematically add these cards and account numbers to a blacklist. Alternatively, you can add the entry in the payment view of any transaction you have open.
  • SecurePay positive list: With the positive list, you can control the Velocity Checks settings to exclude regular and large corporate customers from the automatic security checks.

What is more, Computop has access to commercial and police blacklists that contain blacklisted accounts and are updated daily, reducing the possibility of returned debit notes to a minimum.

Address and credit check

Computop is connected arvato infoscore, Bürgel, CEG, creditreform, CRIF and Schufa to run address and credit check on customers – whether individuals or companies – in several European countries.

3-D Secure protocol

Improve the security of your credit card payment processing in e-commerce. With the 3-D Secure protocol (Verified by Visa, MasterCard SecureCode, American Express SafeKey) you can be certain that the purchaser really is the registered card holder of the credit card. In addition, with 3-D Secure, you benefit because liability for card misuse no longer lies with you but with the card-issuing institution ('liability shift'). Computop was also a partner in the pilot projects run by Visa and MasterCard, which paved the way for the 3-D Secure technology used today. In order to avoid severe loss due to spiking decline rates merchants can turn off 3D Secure for transactions in specific countries or just for specific banks that cause such issues.