BankCard International Group
Payments · Fraud prevention

Approve more real customers. Turn away the fake ones.

Real customers go through. A stolen card gets held at the door. The rules that are yours to set, you can read and change yourself — and when you want a hand with them, you call our risk team.

Talk to an expertAll payments
Fraud screening
Held orders
Rules
Disputes
Reports
Approval rate

97.0%

582 of 600 orders · last 30 days

Order
Rule that held it
Result
#4183
New card, fourth try in an hour
Declined
#4179
Ships far from the billing address
Verified and approved
#4176
First order over $900
Verified and approved
#4168
Same device, three different cards
Declined

On your screen

Every held order tells you why.

Each held order shows the rule that held it, and your approval rate sits on the same screen. You are reading a decision you can change.

  • The rule that fired, on each held order
  • Approval rate next to decline reasons, so a change shows up as sales
  • Rules you change yourself, not ones you request
More approved
Extra checks only where they pay
Less on you
Caught before it becomes a sale
An answer
Rules in plain words, not a score
Your call
Loosen or tighten it yourself

Why it earns its place

More approvals, less fraud, and an answer when you ask why.

01

More real orders go through

Rules set too tight turn away paying customers, and they do not complain. They buy somewhere else. When you can read the rules, you can loosen the one that is costing you sales and keep the ones that are working.

02

Less of the fraud lands on you

An order is checked before it is approved, so a stolen card is stopped before anything goes out. On the orders where it matters, asking the customer to verify moves who pays if it turns out to be fraud off you.

03

An answer when the number drops

When a good customer asks why they were blocked, or your approval rate falls, you see the rule that fired. You fix it yourself, or you call our risk team and fix it together.

What happens underneath

Stopped before it becomes your problem.

Incoming
Before it goes any furtherYour rulesWeighed against the rules you set, in terms you can read.
Approved
Held for review

What a rule stops comes out here. The rest carries on — and none of the money has moved yet.

Before an order goes for approval, we weigh how fast, how often, what device and where from. A real customer notices nothing. A stolen card is held, and the hold says which rule caught it.

  1. 01

    We read the order

    How fast and how often, the device, the location, and what this card and this customer have done with you before. The customer sees nothing extra.

  2. 02

    Your rules decide

    Rules in plain words: this card, this many times, from this place. The ones that are yours to set, you can read and change.

  3. 03

    An extra check, only where it is worth it

    On the orders that are large enough or look wrong enough, we ask the customer to verify. That extra step moves the loss off you if it does turn out to be fraud. Everywhere else we skip it, so you do not lose the sale to a step.

  4. 04

    You see the result as sales

    Approval rate and decline reasons on one screen. Loosen a rule and you see the orders it lets through. Tighten one and you see what it stops.

Blocking good customers costs more than the fraud.

The stolen card shows up on a statement. The real customer you turned away shows up nowhere. They just buy from someone else. So we show you the rules and let you set the line.

Fits into what you run

Runs where you already take orders.

Your checkout

It runs inside the checkout you have. No extra page, no extra step for the customer, and no change to how you sell.

Chargeback management

This stops the stolen card before the sale. Chargeback management handles the disputes that come after it. Together they cut the disputes you have to fight.

Our risk team

The people who set your rules with you are the people who pick up. Changing a rule is a phone call with someone who knows your account, not a ticket at a help desk.

Your reporting

Approval rate and decline reasons sit in the same reports as your sales, so the effect of a rule change shows up where you already look.

Who this is for

Built for the seller who carries the risk.

A good fit if

  • You take orders where the card is not in hand
  • You sell what stolen cards buy: electronics, sneakers, supplements, gift cards, travel, subscriptions
  • Your approval rate has dropped and nobody will tell you why

Probably not if

  • Fraud has not found you. If your approval rate is steady and nothing has been getting through, there is no problem here to solve yet.
  • You want a promise that no fraud gets through. That is not a promise an honest provider makes.
  • You want it switched on and forgotten. Rules need a look when what you sell changes. That is a short call with our risk team, but it is a call.

Trusted & Certified

PCI DSS
SOC 2
Instant Settlement
Global Acquiring
Tokenized
FAQs

Common questions about fraud prevention.

Talk to us

Approve the customers you have been turning away.

Talk to our risk team before you sign anything. Tell them what you sell and what has been getting through, and they will tell you where the line should sit.