Risk and fraud
control

Detect fraudulent payments, optimize conversion rate, and secure your customer’s data.

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Security and anti-fraud management

You have at your disposal an administrable rules engine, a score system refined by machine learning, a blacklist / whitelist management and a client card tokenization system.
We reduce fraud by monitoring these 5 warning points, which you can adapt to your business:

High payment frequency

When the number of transactions grows rapidly in the same period (daily, weekly or monthly).

High-risk countries

When a transaction is initiated from a “high-risk” country.

Data inconsistency

For a transaction with significant differences in its details (different IP location and card issuing country).

Worldwide blacklist

For a transaction with a blacklisted client attribute (card, IP address, email and phone number).

High payment threshold

When a transaction reaches a certain threshold, based on its value and currency.

Acceptance Rules Engine

Determine the set of criteria and develop them according to your activity.

Add a rule to block payments or trigger 3DS requests.
All payments affected by this test will be automatically blocked.

Activate 3D Secure if #ip_country is different to #card_country and #amount >= 10000
Refuse if #card_country is not France and #amount > 100000 and #transactions_per_card_monthly > 2

ADD AND ACTIVATE

Define transaction acceptance and refusal rules, triggering conditions for 3D Secure security or single-use password (email, SMS, CVV). To do this, you should take into consideration a range of criteria: IP, bank card issuing country, cardholder country, currency, transaction amount, daily or monthly transactions volume, consistency between the vendor’s and customer’s IP, etc.

Customizable 3D Secure

Our customizable 3D Secure service is the least invasive possible. It allows you to choose whether or not to activate the buyer authentication based on set criteria adapted to your customers’ behavior. It is displayed directly into the payment page without any redirection.

Almost 100 criteria available: buyer’s IP address, card country, order amount, time period, etc. These can be combined with blacklists and whitelists.

Our customizable 3DS guarantees the security of your payments without losing sales.

Thanks to the efficient management of 3D Secure settings, you will reduce fraud whilst keeping your sales high.

CentralPay helps you maintain the benefits of a strong transaction authentication mode to limit chargeback risks whilst adding a high level of efficiency.

configurable 3D Secure

Our customizable 3D Secure service is the least invasive possible. It allows you to choose whether or not to activate the buyer authentication based on set criteria adapted to your customers’ behavior. It is displayed directly into the payment page without any redirection.

Almost 100 criteria available: buyer’s IP address, card country, order amount, time period, etc. These can be combined with blacklists and whitelists.

Our customizable 3DS guarantees the security of your payments without losing sales.

Thanks to the efficient management of 3D Secure settings, you will reduce fraud whilst keeping your sales high.

CentralPay helps you maintain the benefits of a strong transaction authentication mode to limit chargeback risks whilst adding a high level of efficiency.

Data protection

Card data tokenisation

Payment card data storage is a significant risk, forcing you to manage the protection of the sensitive data and bear the growing cost of an increasingly complex PCI-DSS infrastructure.

CentralPay’s tokenisation service enables sensitive data to be replaced by a single token that cannot be read by third parties. This is the best way to ensure that payment data remain secure.

Each token is a unique, secure chain of protected data.

The sensitive data is stored in the CentralPay PCI-DSS infrastructure and it’s available at all times thanks to the dedicated API.

You only store tokens, and they are unusable if your information system is compromised or undergoes an intrusion.

PCI-DSS certified payment platform

In order to guarantee the security of all its payment operations, CentralPay is level 1 PCI-DSS certified, the highest level in terms of bank detail security.
PCI-DSS compliance enables protection of sensitive data from one end of the exchange network to the other, in order to counter fraud, protect your activity and preserve customer trust.

PCI DSS compliant