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Protect Plus

Protect Plus Service, helps you increase checkout conversions while keeping fraudsters at bay.

What is Protect Plus?

This sophisticated counter-fraud service provides your online and mobile channels with an extra layer of security against fraudulent transactions, globally and in real-time.

It makes use of the industry’s largest negative database to perform a comprehensive suite of fraud assessments, including identity checks against the UK electoral roll and BT databases.

Benefits of Protect Plus

Supports safe business expansion

Identifies and isolates potential fraudulent transactions through a powerful combination of machine learning, predictive and behavioural analytics, positive profiling and customized fraud strategies.

Optimise acceptance rates

Optimises acceptance and frictionless payments for genuine customers to drive growth and loyalty.

Reduces cost

Reduces losses and costs by cutting chargebacks, false positives and manual reviews.

How does it work?

In brief, customer’s billing, delivery and payment details are analysed using a rule-based system to detect suspicious patterns in user activity.

Our system will assist you in deciding on whether to process a customer’s transaction based on the perceived level of risk.

Checks performed include:

  • The industry’s largest negative database.
  • Neural-based fraud assessments.
  • Tumbling or Swapping,

    • where there is an unusual usage pattern in the card number, expiration date or customer details associated with a transaction.

    So what happens after the checks are performed?
    The Protect Plus system will analyse transaction details and issue a fraud control status such as “accept” meaning that the details are not deemed suspicious or “deny” meaning that the details are suspicious, and a transaction should not be performed.

    The Protect Plus system will analyse transaction details and issue a fraud control status such as “accept” meaning that the details are not deemed suspicious or “deny” meaning that the details are suspicious, and a transaction should not be performed.