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Prevent Chargebacks with Advanced eCommerce Blacklists & Reputation Scoring
Chargeback fraud is a serious issue in today's ecommerce industry, affecting any site that accept credit card payments. Merchants are always looking for new tools and resources they can leverage to streamline chargeback fraud prevention and lower lost products, chargeback fees, and overall dispute rates. Spending less time managing fraud and manually reviewing payments is the ultimate goal to streamlining a defense against fraudulent transactions.
Prevent chargebacks with a complete risk scoring solution for payment processors, merchants, and SaaS services. According to a report by Card Not Present, chargebacks caused an estimated $31 billion in losses in 2017 alone. This is a substantial figure that impacts large and small companies alike. Ecommerce is by far the worst industry impacted by chargeback fraud. Online payment fraud is expected to continue growing in 2019 and beyond. Tackle chargebacks and detect ecommerce fraud with IPQS suite of easy to use anti-fraud tools. Deploy our fraud prevention tools in just minutes and let our automated process handle scoring your transactions and payments.
Intelligently prevent chargebacks and screen purchases with adaptive fraud scoring for the best ecommerce fraud protection.
Stop Payment Fraud
Automatic Quality Control
Chargeback fraud is defined by Wikipedia as malicious payments made by stolen credit cards or for the purpose of defrauding the seller. Fraudulent chargebacks, like all types of fraud, follow patterns and behavior models. IPQS' machine learning algorithms detect orders likely to result in chargebacks and can predict malicious behavior to identify high risk transactions. An overall Fraud Score is calculated in real-time based on the IP reputation, device reputation, email address history, and over 300 fraud detection software data points. This risk score facilitates chargeback protection along with other data our API outputs, which provides a wealth of information to enhance your decision making and business logic for automatically blocking high risk transactions or requesting more details to verify an order.
Prevent chargebacks with IPQS by scoring user and billing details to enhance the likeliness of detecting fraudulent payments. Tap into our network of fraudulent email addresses, devices, IP addresses, user info (names, phones, physical addresses, etc.) all gathered by scoring hundreds of millions of transactions per day for the internet's largest websites. When our fraud detection system notices fraudulent behavior or any high risk activity, it will be reflected in the overall risk score provided for each user or transaction. 25+ additional data points for transaction scoring are provided to combat chargeback fraud. This data indicates how risky the user is rated for each category mentioned above, such as email reputation, device reputation, etc. Machine learning models regulate the scoring process to avoid false-positives and align our algorithms to account for typical user behavior on your site.
Not all audiences behave the same, and IPQS understands this. Our machine learning algorithms automatically adjust to your audience for preventing chargebacks, so valid users are never incorrectly classified and irregular behavior can easily be detected. IPQS learns from fraudulent chargebacks and fraudulent transactions that pass through your credit card payment system. Manual scoring settings can also be fine tuned directly from your account so you'll always be in control. This ensures our system is performing up to par, detecting every fraudulent payment and high risk transaction without impacting the user experience.
Implementing real-time detection for chargebacks is actually quite easy. IPQS' ecommerce plugins and easy-to-use API services can be integrated into any third party platform, app, or website to reduce chargeback. If your site already has anti-fraud tools, IPQS can enhance your existing algorithms to make smarter decisions that prevent chargeback fraud with greater confidence and accuracy. You can even process your existing chargeback requests through our platform to train the scoring to better understand your legitimate customers.
View available IPQS plugins that make it easy to enable chargeback protection for over 1,700+ apps.
Analyze payments in real-time to prevent chargeback fraud by identifying suspicious billing details such as abusive email addresses, proxies or VPNs, and emulators or virtual devices. Fight chargebacks with enterprise-grade data fraud detection tools. The user's billing and shipping details can also provide great insight into detecting chargebacks using a mix of email validation, phone validation, and IP address reputation.
Identifying high risk billing details like fake phone numbers, invalid email addresses, and stolen user data can detect chargebacks in real-time. Scoring user and payment data with IPQS detects high risk user data that has been associated with credit card chargebacks. Most chargeback fraud incidents are related in some way to stolen identity data or high risk device/IP address signals.
Stop fraudulent payments with IPQS transaction risk scoring, which verifies billing details and analyzes suspicious behavior with bot detection and advanced IP address reputation. Fraudulent transactions often have a repeating pattern which can be identified from the device behavior signals or even the stolen identity details. Fight chargeback fraud using the internet's most extensive blocklists which prevent chargebacks through reputation analysis on the user's payment details.
Identifying purchases made with proxies, VPNS, or bots is the best way to detect when stolen credit cards would be submitted with transaction data, usually resulting in confirmed chargeback fraud. Real-time scoring can detect suspicious behavior frequently associated with chargeback abuse.
IPQS maintains one of the largest friendly fraud blacklists online, identifying users with a history of suspicious activity or those that have frequently opened disputes. This data can be used to accurately prevent fraudulent transactions during the payment process or identify known offenders which commit deliberate chargeback fraud. One interesting trend we have noticed from our payment processor partners, is that as economic conditions get worse, a rise in chargeback fraud occurs.
A chargeback claim can be filed for multiple reasons. Cybercriminals using a stolen credit card would have malicious intent and the chargeback would be considered under fraudulent purchases. Some credit card payment processors automatically detect this behavior and flag these payments as unusual transactions. Friendly fraud on the other hand is usually considered a purchase by the legitimate cardholder, however if a chargeback is opened due to untruthful reasons, it can be considered first party fraud. A good chargeback system can help manage both types of chargeback fraud and prevent frequent chargebacks from known abusers.