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.