Evaluate Risk Based On Collective Experience

We offer a collaborative fraud management service through our partner, Ethoca Limited (Ethoca), to help banks and merchants combat fraud and increase profits.  Ethoca is the pioneer for fraud management through shared data for businesses in Internet commerce and other ‘customer not present’ environments. 

Ethoca’s use of independent third-party business process and data integrity audits ensures that the privacy and security of data is maintained.

Companies share data through Ethoca to evaluate risk based on collective experience and eliminate unwanted transaction activity. The information contributed by companies is collected in a shared data transaction pool, where it is stored securely.

Any individual company can then request a risk assessment for a specific transaction from the shared data pool. The shared data pool checks all of its records in real time and returns a risk assessment. 

Taking Control Of Sales Made In The CNP Environment

Based on the risk assessment from Ethoca, the merchant and/or bank can decide to do one of the following:

• Accept the transaction

• Accept it, but with some kind of follow up

• Reject the transaction

• Reject it, but with some kind of follow up

• Refer it to a manual review team