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Fraud Management Tools

BluePay's payment processing adheres to the strictest PCI-compliant security standards. We offer tokenization, point-2-point encryption (P2PE), and countless articles on the latest security-related best practices.

However, we also provide a robust suite of fraud management tools that give you even greater control.

Yet if our standard payment processing is already so secure, why would we ever offer these additional tools?


The financial landscape is constantly in flux. EMV credit card processing and the liability shift was recently implemented in the U.S. on October 1st. Online fraud is on the rise, and with each passing day, new payment options hit the market — from Apple Pay to Bitcoins to wearable technology.

These extra fraud tools provide you with granular control as you custom design your payment infrastructure. For the vast majority of clients, these additional tools aren’t necessary, but they can be tremendous assets when dealing with:

  • Card-not-present (CNP) transactions. Purchases made via telephone and the Internet account for nearly 45 percent of all credit card fraud in the U.S. Card abuse is especially prevalent when selling to anonymous buyers who live abroad.
  • Big-ticket items and large-volume orders. If you sell luxury items to consumers or large volumes of lower-priced items to B2B customers, you may want additional fraud protection to help limit potential losses.
  • A history of credit card abuse. If your business has already been targeted in the past, these tools can help reduce fraudulent activity moving forward.

What Kinds of Fraud Management Tools Are Available?

We offer a range of user-controlled filters that allow you to blacklist or whitelist transactions based on criteria that you set. Some of the more popular fraud management filters include the ability to:

  • Reject payments above a certain amount (Threshold filter)
  • Compare billing and shipping addresses before authorizing payments (AVS filter)
  • Automatically pause any transaction until you've had a chance to manually inspect the details (On-hold filter)
  • Accept or reject cards from certain regions of the world (Card Issuing Country filter)
  • Accept or reject purchases made from pre-selected IP addresses (Geo IP Tracking filter)
  • Place restrictions on the number of sales allowed per unit of time (Velocity filter)
  • Gain access to our real-time database of blacklisted IP addresses, emails and card numbers or create your own (Negative Database filter)

One of the main benefits of these filters is that they don't disrupt the user experience. Although we generally recommend asking for as many details as possible (i.e. addresses, phone numbers, CVV codes), each additional field can negatively impact conversion rates. By setting up these filters on the back end, you benefit from industry-leading fraud protection while making the sales process as user-friendly as possible.

For a complete list of BluePay's fraud management tools, click here.

Ready to Make Your Payment Infrastructure More Secure?

If you would like to explore any of the fraud prevention filters mentioned above, contact our payment security team today for a free consultation. Our merchant specialists will walk you through all of the options and help you customize a solution that suits your needs.

Topics: EMV, PCI Compliance and Fraud Prevention

Welcome to the BluePay Blog!

Whether you're a small business, an enterprise corporation, a financial institution, or a software partner, we have created a series of blog posts to help you and your customers, learn more about the complex nature of payments. Take a look to learn how payments can help to simplify your business operation, and may even help to grow your revenue.

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