Fraud Screening Services offered by Payment Gateways Catering to Small to Medium Businesses

2CheckOut.com

Serves as a third-party system to take credit cards for merchants, not as just a payment gateway. Handles its own fraud protection with internal databases.

Authorize.net

Its FraudScreen.net service is powered by Falcon Fraud Manager for Merchants, a sophisticated neural network, scored-transaction approach. $20 month plus 20 cents from Authorize.net. Falcon Fraud Manager is described in "Understanding Fraud Protection Systems for Merchants" in this issue.

Bank of America

It's gateway is called "eStores Settle Up." AVS, CVV2.

BluePay

AVS, CVV2.

ClearCommerce

FraudShield is a sophisticated combination of neural network risk scoring and merchant-set rules.

CyberCash

Acquired and absorbed by VeriSign.

CyberSource

CyberSource uses a combination of neural network risk scoring and merchant-set rules. Described in "Understanding Fraud Protection Systems for Merchants" in this issue.

DPI Merchant Services

AVS, CVV2.

Echo Inc.

AVS, CVV2.

e-Commerce Exchange

QuickCommerce. AVS, CVV2.

ePoint Processing Ltd.

AVS, CVV2.

eProcessing Network

AVS, CVV2.

Fast Transact

AVS, CVV2.

GORealTime

AVS, CVV2 ??

iBill

AVS, CVV2 plus negative lists of any iBill credit card numbers or e-mail addresses that have been identified in the past as fraudulent.

IOngate

AVS, CVV2.

Intellipay

AVS, CVV2.

iTransact

AVS, CVV2.

LinkPoint

AVS, CVV2. Allows merchants to block specific IP addresses, domain names, or customer names.

Lynk Systems

AVS, CVV2.

MCPS

AVS, CVV2.

NPC VirtualPAY

AVS, CVV2.

NETbilling

AVS, CVV2. Uses large negative credit card databases, both proprietary and subscribed. Extensive fraud scrubbing using custom filters and other methods

ParaData

AVS, CVV2.

PayCom
Epoch Transaction Services

AVS, CVV2. Uses a negative database of people who have claimed fraud, or credit cards and e-mail addresses that have been used for fraud in the PayCom system. Compares BIN of credit card number compared with the billing address. Verifies e-mail address.

Paymentech

OnGuard Fraud Management Solutions outsources transaction scoring to Falcon Fraud Manager for Merchants, described in "Understanding Fraud Protection Systems for Merchants" in this issue.

PayPal

Has developed an extensive internal system to detect fraudulent transactions. Identifies buyers and sellers who have completed PayPal's verification process. Provides a guarantee when selling to verified buyers. See their site for details.

PayReady

AVS, CVV2.

PaySystems

"Cutting-edge fraud screening." This is a third-party payment service rather than independent gateway for merchant account holders.

PlanetPayment

Powered by Authorize.net.

Processing.net

No fraud screening mentioned on website. Site looks old, no news since 1999.

PSiGate

FraudShield is a built-in, rules-based fraud management system. It allows merchants to build their own rules concerning transactions. An 18-page Word.doc whitepaper describes how to use the tool.

RTWare

AVS, CVV2.

Shift4

AVS, CVV2.

Skipjack

AVS, CVV2.

SureFire Commerce

Tools include neural network technologies and cardholder authentication using AVS, CVV2, and micro-deposits. Real-time analysts research transactions looking for irregular patterns. Modeling allows review of trends and writing rules to block transactions based on a wide variety of criteria. Loss recovery program minimizes retrievals and chargebacks. Negative database for any previous fraudulent transactions in the SureFire system. Uses Falcon Fraud Manager for scoring.

SurePay

Merging with LinkPoint payment gateway.

TrustCommerce

AVS, CVV2.

USA ePay

Fraud Stopper included with all accounts. AVS, CVV2, plus various fraud control modules, such as "duplicate transaction control, block by country (and/or state, city, zip, name...), auto detection of misuse of toolkit by customer (blocks a person from using an eCommerce toolkits after certain amount of tried with different cards ), block by IP and many more."

VeriSign PayFlow Pro
VeriSign PayFlow Link

VeriSign's Fraud Protection Services employ a wide range of filters for a rules-based system. Described in "Understanding Fraud Protection Systems for Merchants" in this issue.

World Pay

WorldAlert fraud detection system provides intelligent pattern recognition, AVS, CVV2, and Verified by Visa, MasterCard SecureCode. Exploits historical record of transactions running into the tens of millions, automatic two-level warning system, plus merchant controlled, configurable e-mail and IP address screening (WorldAlert Configurator).

ViaKLIX

AVS, CVV2.