Is Your Merchant Risk Management Falling Behind?
Enhance oversight, streamline processes, and reduce risk exposure with proactive management to protect your network and reputation.
Unmanaged Merchant Risk
Processors onboard thousands of sellers but lack continuous oversight; rogue merchants exploit gaps, causing network fines and reputational damage.
Manual Monitoring Processes
Risk teams still rely on spreadsheets and dated BI tools, creating blind spots, slow reaction times, and no path to scale with rising volumes.
Chargebacks & Threshold Violations
Without automated alerts, merchants exceed card-scheme ratios, triggering costly assessments and jeopardizing sponsor-bank relationships.
High False Positives
Rigid rules flag healthy merchants, driving payout delays, extra reviews, and friction that strains processor-merchant trust.
Fraudnet: Transform Merchant Risk with Intelligent Solutions
Stay ahead with Fraudnet: streamline oversight, reduce fines, and enhance trust with seamless risk management.
Policy Monitoring Engine
Real-time rule checks; auto-pause merchants on breach.
Anomaly Detection Models
ML highlights unusual volumes, velocity, or refund spikes.
Merchant-Level Threshold Customization
Fine-tune limits per merchant to cut false alarms.
Unified Case Management Dashboard
One queue for triage, evidence, and resolution.
Real-Time Policy Enforcement
Instantly detect breaches and automatically initiate holds on payouts or terminals, preventing costly fines from accumulating. By acting swiftly, you protect your network from potential threats and maintain a strong reputation, ensuring seamless operations and peace of mind.
Advanced Anomaly Detection
Harness the power of AI-native models that adapt to each merchant's unique baseline, uncovering hidden fraud and friendly-fraud rings swiftly. Stay ahead of threats with early detection, protecting your network's integrity and enhancing trust with your merchants.
Unified Case Management
Streamline your risk management with our unified case management dashboard. Integrating alerts, evidence, and team collaboration, it dramatically reduces investigation times and simplifies audit preparation, ensuring swift, efficient responses to potential threats while maintaining compliance and safeguarding your reputation.
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
Speak with our Solutions Expert Today
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FAQs
What is payment processor merchant risk scoring?
Payment processor merchant risk scoring is a method used by payment processors to evaluate the potential risk associated with a merchant. This involves analyzing various factors such as transaction history, business type, and financial health to predict the likelihood of fraudulent activity or financial instability. The score helps processors determine the level of scrutiny and monitoring required to manage potential risks effectively.
Why is merchant risk scoring important for payment processors?
Merchant risk scoring is crucial for payment processors as it helps mitigate financial losses due to fraud or business failure. By assessing the risk level of merchants, processors can implement appropriate measures to manage potential threats, ensuring a secure transaction environment. This not only protects the processor's interests but also enhances trust and reliability in the payment ecosystem, fostering stronger relationships with both merchants and consumers.
What factors are considered in merchant risk scoring?
Merchant risk scoring considers several factors, including the merchant's industry type, transaction volume and frequency, chargeback ratios, historical transaction data, and financial stability. Additionally, factors like the merchant's compliance with regulatory standards, past incidents of fraud, and geographical location may also influence the risk score. This comprehensive analysis helps payment processors accurately assess the risk associated with a particular merchant.
How does high-risk scoring affect a merchant's operations?
A high-risk score can lead to increased scrutiny and monitoring by payment processors. Merchants identified as high-risk may face higher transaction fees, stricter compliance requirements, or even account holds or terminations. This can impact their operational costs and cash flow. Therefore, merchants need to maintain a good risk profile by ensuring compliance, minimizing chargebacks, and implementing robust fraud prevention measures to avoid being categorized as high-risk.
Can merchants improve their risk score?
Yes, merchants can improve their risk score by implementing effective fraud prevention strategies, maintaining low chargeback rates, and ensuring regulatory compliance. Regular monitoring of transaction patterns, investing in secure payment technologies, and educating staff on fraud detection can also contribute to a better risk profile. By demonstrating financial stability and proactive risk management, merchants can improve their standing with payment processors, potentially leading to lower fees and fewer restrictions.
What role does technology play in merchant risk scoring?
Technology plays a vital role in merchant risk scoring by enabling the automated analysis of vast amounts of data to detect patterns indicative of fraud or risk. Advanced algorithms and machine learning models can quickly assess transaction history, identify anomalies, and provide real-time risk assessments. This allows payment processors to efficiently manage and mitigate risks, enhancing the accuracy and reliability of the scoring process while minimizing manual intervention and human error.