Fraud prevention for e-commerce

PayU’s integrated anti-fraud solutions keep customers safe while giving online merchants the peace of mind to focus on growing their business.

Secure your online store and protect customers with best-in-class anti-fraud tools

The ongoing growth of e-commerce and digital life brings extensive opportunities for businesses and consumers. Unfortunately, the same is also true for payment fraudsters.


In 2020, the average number of successful fraud attacks increased by nearly 50% for mid-to-large size retailers in the United States. Small businesses are also feeling the pain – although fraud was less common for this group, successful fraud attempts on smaller companies also increased by more than a quarter in 2020.


The costs are real. According to estimates, financial losses due to online payment fraud will exceed $206 billion between now and 2025. These losses are in addition to less quantifiable impacts such as reputational damage and the time that merchants must spend dealing with fraud when it does occur.


As the importance of digital sales increases, having a reliable anti-fraud solution is a critical part of providing customers with a safe and high-quality online shopping experience.


Read on below to see how PayU’s anti-fraud solutions help merchants to keep themselves and their customers safe – delivering seamless and worry-free online payment processing while maintaining an excellent user experience and high payment approval rates.

Our anti-fraud solution

See how our anti-fraud module leverages machine learning to keep merchants and customers safe.
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PayU anti-fraud features and benefits


PayU’s anti-fraud solution is bolstered by our expertise in local regulations and market conditions, as well as our global capabilities. We leverage these strengths to optimize payment routing to prevent fraud, while also giving merchants the capability to block unwanted transactions and identify suspicious activity before it becomes dangerous.

These tools help to separate legitimate transactions from the illegitimate, protecting against data breaches and keeping both merchants and customers secure.

How does it work?

Our fraud detection service detects fraudulent transactions and notifies merchants when they occur. Fraud monitoring and detection is based on both a rule engine as well as a scoring system driven by machine learning.

When it comes to 3D Secure, merchants can choose to implement an internal flow of 3DS transactions, use an external 3DS Merchant Plug-In (MPI) or take advantage of the external MPI provided by PayU.

Additional anti-fraud capabilities can be enabled based on the local conditions of the market where the merchant is operating.

Why is it important?

Merchants rely on PayU for advanced fraud detection and close cooperation with law authorities should breaches occur.

At the same time, PayU’s advanced 3DS capabilities help merchants comply with Secure Customer Authentication (SCA) requirements in places (like the European Union) where they are enforced, while also maintaining high approval rates.

Our fraud detection capabilities are designed with the needs of merchants and customers in mind, leveraging data to detect suspicious activity, without compromising approval rates and successful transactions.

Why should merchants use PayU’s anti-fraud solution?

Worry-free online payment processing

Merchants can rely on PayU for fraud detection, payment optimization, and additional security and compliance features – all embedded into one global payment solution.

Improves with your payment data

We use AI-powered fraud monitoring and detection capabilities to uncover fraud faster and more effectively. The anti-fraud engine improves as it collects more payment information, resulting in better fraud detection and fewer false declines.

Protects against chargebacks

Our anti-fraud guarantee protects merchants against losses due to fraudulent transactions. PayU assumes the chargeback when a dispute process has been started by a customer (regional and other limitations apply).

3DS flexibility

Our anti-fraud module can accommodate multiple 3DS configurations (internal, external, or via PayU’s MPI). With PayU’s MPI, merchants can use PayU as a single provider for both authentication and payment acquiring services.

Smart 3DS routing

PayU’s Decision Engine supports multiple 3DS 2 versions, automatically routing transactions via the appropriate 3DS 2 flow to minimize fraud and maximize approval rates.

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