Fraud Prevention Services Adopted Worldwide

Anti-Fraud Service (ReDShield)

It is a security service that has Actual fraud prevention worldwide. By introducing it, it is possible to scrutinize the "user information" and "order details" held by the merchant for the end user's payment and identify suspicious transactions.
This Optional Services is designed to help you use Credit card payment more safely and securely.

Challenges like this can be overcome.
It can be solved

I want to take security measures

Benefits of fraud prevention service (ReD Shield)

By referring to the judgment results, chargeback contributes to the reduction of risk.
The operational burden of fraud countermeasures is reduced by systematization.
Since it is implemented as standard in PG Multi-Payment Service, it can be easily introduced by reducing the installation cost such as development burden.

Service operation flow

Determine card transactions in real-time.
We will respond with ACCEPT/CHALLENGE/DENY according to the allowable risk of determining whether or not to trade.

... Purchase information, fraudulent review, notification of judgment results

Purchase
Card payment execution (EntryTran, ExecTran)
Specify transaction information for ExecFraudScreening*(2)
Send by linking card information to customer information
REPLYING TO THE JUDGMENT RESULT: ACCEPT/CHALLENGE/DENY
REPLYING TO THE JUDGMENT RESULT: ACCEPT/CHALLENGE/DENY
Judgment of product shipment based on the judgment result

[Operation example]

ACCEPT→ TRANSACTION OK
CHALLENGE→ Investigation and decision on transaction execution
DENY → Trading NG

Fraud prevention mechanism

Based on 6 types of user information, card transactions are reviewed in real time (ACCEPT/CHALLENGE/DENY judgment) by filtering with 5 rule layers.

Plan overview

PG Multi-Payment Service, you can choose from two plans: Basic, which can be easily used by more member stores, and Enhanced, which is a high-end model specialized for specific member stores.

		Basic	Enhanced
Target member stores		・ chargeback ratio is on the rise ・ fraud increases rapidly	・ chargeback ratio exceeds 1% ・ Already implemented fraud countermeasure operation in-house
Plan overview	Judgment result return	API	API
	Fraud judgment rule	Common (best practice) rules	Unique (custom) rules for each shop
	Provision of management screen (*)	Nothing	Yes
Points to note		You can expect to get a certain level of results immediately after introduction, but you cannot individually tune the fraud detection rules or disclose the fraud judgment rules.	It is possible to tune the fraud judgment rules individually, but it takes about half a year to obtain highly accurate judgment results.

* contract Costs will be incurred for each shop.

Important point

It is not a service that guarantees 100% prevention of fraudulent transactions.
This service is only available in PG Multi-Payment Service 's Credit card payment contract Shop.

Reference) Example of fraud judgment rule

1. Global Rules

High-risk countries (card issuing country/billing country/shipping country/access source)
High-Risk Email Domains
High-risk ISPs
Blacklists (e-mail address, phone number, device, address, card, etc.)

2. Common Rules

■ Product sales

Since product sales can be checked before the product is shipped, in principle, it is judged as CHALLENGE.

Use of cards issued overseas
Use multiple cardholders for the same card number
The same card number can be used in multiple emails.
Multiple card redemption or authorization authentication from the same device
Send to multiple addresses from the same email address
Same email address for many devices, multiple user IDs, and multiple names
Same card number, multiple expiration dates
Multiple orders from the same phone number
Use with multiple email addresses and user IDs from the same device
Access from devices other than Japanese environments
Use multiple IP addresses from the same email address
Orders that include high-risk products (pre-registration is required for Enhanced users only)
Use of forwarding company
There is a discrepancy between the billing country, the country of access, and the country of issuance of the card ^(*)
Multiple shipping countries for the same card, device, and email address ^(*)
Mismatch between the country of shipment, the country of billing, the country of issue of the card, and the country of access ^{source (*)}

* For overseas shipping merchants

■ Other than product sales

Since immediate judgment is required for digital content sales, etc., in principle, it will be judged as DENY.

The same card number can be used in multiple emails and on multiple devices
Same email address for many devices, multiple user IDs, and multiple names
Same card number, multiple expiration dates
Send to multiple addresses from the same email address
Multiple card redemption or authorization authentication from the same device
Multiple orders from the same phone number
Use with multiple email addresses and user IDs from the same device
Use multiple cardholders for the same card number
Multiple billing addresses from the same phone number

3. Industry-specific rules

Multiple orders from the same card number
The total amount is exceeded by single or multiple orders from the same card number.
Order multiple times from the same email address
Exceeding the total amount for single or multiple orders from the same user ID
Exceed the total amount for single or multiple orders from the same email address
Exceed the total amount for single or multiple orders from the same device