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Baian provides advanced Fraud and Risk Management (FRISK) prevention.
Credit card fraud can have a crippling effect on your online business. Through the constant development and tweaking of sophisticated algorithms, Baian has developed an effective way to mitigate fraud without losing you valuable transactions.
Our proprietary risk management system provides an advanced suite of fraud detection and prevention options. Each transaction submitted is filtered through an series of fraud detection rules to determine potential risk.
Baian Fraud and Risk Management (FRISK) prevention features:
- Country Blocking – Filter transactions by the ip associated with the customer’s country code.
- IP Activity Limit – Limit the number of accepted transactions from a given IP address.
- CVV2 Checks – CVV2, or Card Verification Value 2, is a number that is printed on Visa and Mastercard. This number is never transferred during card swipes and should only be known by the cardholder, the person holding the card in their hand.
- Velocity Checks – Maximum number of transactions per seconds, hours, days, weeks or months.
- Amount Checks – Maximum amount spend per cards per seconds, hours, days, weeks or months.
- Blacklist – Verification of card, ip or email of cardholder against our extensive blacklisted database.
- BINs County Check – Verification of cardholder country to match the country BIN of the card number.
- Cramming Protection – Prevent the use of credit card number generating schemes by limiting the number of transactions allowed from a given IP address.
- Address Verification (AVS) – AVS matches the known address information associated with the given credit card number against the billing address information provided by the user. If the information does not match, the transaction is declined. The merchant has the option of choosing the level of match required for an approved transaction. available on selected merchant accounts and only for US and UK customers.
- Third Party Anti-fraud – Our secure payment gateway support theses following third party anti-fraud and risk management solutions: Maxmind minFraud, G2 WebServices and IOVATION.
- SSL Technology – Use of 2048 bit SSL protection to ensure a secure communication between your site and our payment gateway.
- Additional FRISK – In addition to theses protection mechanisms described in this section, several automatic features have been incorporated into our Fraud and Risk Management module to block out suspicious transactions.
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