Are Hidden Risks Costing You More Than You Realize?
Uncover hidden risks instantly to protect profits, ensure compliance, and enhance decision-making for safer merchant relationships.
High Chargeback Exposure
Escalating chargeback rates leave acquirers liable for network fines, reserve hikes, and lost interchange. Legacy monthly reports surface problems too late to enforce corrective measures.
Onboarding Risk of High-Risk Merchants
Without instant KYB verification, acquirers may board merchants tied to fraud, illicit goods, or sanctions, creating financial, compliance, and reputational threats that are costly to unwind.
Fraudulent Transactions Across Portfolios
Card-present and CNP fraud can surge across thousands of merchants within minutes. Disparate data silos prevent acquirers from spotting cross-portfolio patterns before losses multiply.
Lack of Merchant Behavior Visibility
Acquirers often rely on fragmented statements for insight. Limited real-time data masks spikes in refunds, declines, or bot activity, delaying proactive risk interventions.
FraudNet: Your Shield Against Merchant Risks and Fraud
Fraudnet empowers acquirers to detect and mitigate risks in real-time, minimizing financial and reputational losses.
Merchant Policy Monitoring
Track chargeback, refund, & volume breaches instantly.
KYB Risk Scoring
Fuse identity, device, & business data to flag risky applicants.
Transaction Monitoring in Milliseconds
Score CP & CNP payments in <300 ms to block emerging fraud.
Merchant Dashboard
Single view of risk trends, alerts, and drill-downs for action.
Real-Time Policy Enforcement
FraudNet provides real-time oversight on chargebacks, refunds, and declines, alerting you instantly before thresholds are crossed. This proactive approach enables swift intervention, helping you sidestep expensive network penalties and maintain a healthy merchant portfolio, safeguarding your financial interests.
Adaptive KYB Intelligence
Harness the power of dynamic risk models to instantly evaluate identity, device, and business signals, ensuring you swiftly onboard reputable merchants while effectively sidelining high-risk or sanctioned entities. Accelerate your onboarding process with precision, safeguarding your reputation and minimizing compliance risks.
Unified Merchant Intelligence Hub
Streamline your operations with our unified dashboard, offering a panoramic view of portfolio-wide activities, risk scores, and historical trends. Equip your underwriting, compliance, and fraud teams with the insights they need for swift, informed decisions, ensuring proactive risk management and operational efficiency.
Impact & Results
Delivering Results that Matter
We don’t just promise better fraud control—we deliver tangible improvements that protect your business.
97%
Fewer False Positives
Approve more valid transactions confidently.
88%
Fraud Reduction
Experience double-digit reductions in fraud-related chargebacks
60%
Cost Savings
Save time and resources while securing your revenue.
Why FraudNet
Future-Proof Your Fraud & Risk Program
With an integrated platform designed for precision, agility, and impactful results, enabling your team to make smarter decisions, improve operational efficiency, and fuel your business growth.
Customizable & Scalable
No-code rules engine, flexible dashboards, and tailor-made machine learning models that are designed to adapt seamlessly and scale alongside your business.
End-to-End Platform
Unify fraud detection, compliance, and risk management into one powerful solution, saving valuable time and streamlining your operations.
AI Precision You Can Rely On
Reduce false positives, detect and prevent more fraud, and mitigate risk with highly accurate, real-time risk scoring and anomaly detection you can trust.
Real-Time Fraud Intelligence
Leverage advanced analytics, comprehensive reporting, and our Global Anti-Fraud Network to make faster, smarter decisions on the spot.
Testimonials
Real Success From Real Teams
Fraud.net’s flexibility has helped our AfterPay business grow by allowing us to meet our increasingly complex customer and country requirements. Their platform has enabled Arvato to increase our agility and significantly reduce fraud attacks.
Director Risk & Fraud, Arvato
FraudNet's combination of customized machine learning and flexible rules management has been transformative. We've achieved dramatic efficiency gains while maintaining robust fraud protection - a game-changer as we navigate evolving regulatory requirements.
Head of Financial Crime, Countingup
The great usability of Fraud.net is night and day when comparing it to our prior risk prevention platform. Reporting is also faster, more straightforward, and more impactful. With Fraud.net, we can easily visualize and share findings, providing our leadership with a clear understanding of the return-on-investment for our activities in real-time.
Fraud Manager, Global Financial Institution
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FAQs
What is acquirer merchant risk scoring?
Acquirer merchant risk scoring is a process used by acquiring banks or payment processors to evaluate the potential risk associated with onboarding and maintaining merchant accounts. This involves assessing factors like the merchant's business model, transaction history, financial health, previous chargebacks, and compliance with industry standards to determine the likelihood of fraud or financial loss.
Why is merchant risk scoring important for acquirers?
Merchant risk scoring is crucial for acquirers as it helps in identifying potential risks early, ensuring they can take preventive measures to mitigate fraud and financial loss. By accurately assessing risk levels, acquirers can make informed decisions about which merchants to onboard, set appropriate transaction limits, and determine the level of ongoing monitoring required to maintain the integrity of their payment processing ecosystem.
What factors are considered in merchant risk scoring?
Merchant risk scoring typically considers several factors, including the merchant's industry type (MCC code), transaction volume, chargeback ratio, credit history, length of time in business, compliance with PCI DSS standards, and any previous incidents of fraud or suspicious activity. These factors help acquirers assess the likelihood of a merchant engaging in fraudulent activities or posing financial risks.
How can acquirers mitigate risks associated with high-risk merchants?
Acquirers can mitigate risks by implementing stricter onboarding processes, requiring more detailed documentation, setting transaction limits, and conducting regular monitoring and reviews of high-risk merchants. Utilizing advanced fraud detection tools and technologies can also help identify suspicious activities in real-time, allowing acquirers to take swift action to prevent fraud and financial losses.
What role does technology play in merchant risk scoring?
Technology plays a significant role in merchant risk scoring by enabling automated assessments and real-time monitoring. Advanced analytics, machine learning, and artificial intelligence are used to analyze vast amounts of data to predict risk levels accurately. These technologies help acquirers efficiently identify patterns and anomalies that might indicate fraudulent activity, thus improving the accuracy and reliability of risk scoring models.
How often should acquirers review their merchant risk scoring models?
Acquirers should regularly review and update their merchant risk scoring models to ensure they remain effective and relevant in a constantly evolving risk landscape. This typically involves periodic assessments, which could be quarterly or semi-annually, to incorporate new data, emerging fraud trends, and technological advancements. Regular updates help maintain the accuracy of risk assessments and ensure that acquirers can respond promptly to new threats.