Adyen Risk Management Manual de Usario
Adyen
terminal de pago
Risk Management
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Risk Management
Risk management consists mainly of dealing with transactions
that are reversed after the product of service has been delivered.
For merchants this means that revenue is lost so it is important to
keep control over this process.
This whitepaper describes Adyen’s innovative way to deal with
fraud and risk management. The most important question to
answer is how to minimize fraud costs while maximising revenues.
MANAGING CONVERSION AND RISK
Adyen’s payment system is built to optimise conversion for its
merchants — the hosted payment pages offer a high degree of
customisation and have been thoroughly tested to make it as easy
as possible to pay.
However, accepting payments also means accepting the risk for
transactions that will be reversed later on. These chargebacks can
occur for both credit cards and debit payment methods. Possible
reasons for chargebacks are:
•Fraud, where a credit card or bank account of someone else
is used by a fraudster
•Not enough balance on a bank account (especially with
direct debits)
•The transaction is not recognised by the cardholder who
made the payment
•There has been a problem in the delivery or return of the
product
Therefore, a risk management system is needed that can detect
transactions that are viable to be reversed in a later stage.
Although not all chargebacks can be detected beforehand, it is
still possible to detect and avert most of the fraudulent
transaction attempts.
ADVANTAGES:
·FULLY MANAGED RISK SYSTEM
·GET REAL-TIME INSIGHT
·HIGHLY CUSTOMIZABLE
·BLOCK FRAUD EFFECTIVELY
·OPTIMIZE FALSE POSITIVES
·WHAT-IF ANALYSIS TOOLS
·CHARGEBACK-LEVEL MONITORING
·INTEGRATED WITH PAYMENT
PROCESSING
Minimize false
positives,
maximize revenues
MANAGING FALSE POSITIVES
For every blocked transaction, there is a chance that it
would have been a legitimate transaction. So a fraud
protection tool that is setup too rightly will block many
genuine transactions, and therefore have a negative
impact on revenues.
These transactions are called false positives:
transactions that a fraud system triggered as potentially
fraudulent (therefore having a ’positive’ result of the
fraud check and subsequently blocked) but which
actually would have been normal transactions not
resulting in a chargeback.
CHARGEBACK LEVEL MONITORING
The card schemes’ Chargeback Programs are designed
to reduce excessive chargebacks and fraud. These
programs are activated if the CTR
(Chargeback-to-Transaction) ratio rises above a certain
level, for instance 1% which would mean that more
than 1% of your transactions result in a chargeback.
If you are in such a program (for a certain period), then
fines may be levied. Depending on card scheme, the
exact rules may vary. Adyen’s account managers can
bring merchants up-to-date regarding these
regulations.
The Adyen backoffice contains a real-time monitor per
merchant account of the current CTR levels. Of course,
chargebacks can still occur after a long time, so the
value for last month can still increase in subsequent
months.
MANAGING THE SETTINGS
The risk management system calculates the final score
based on many checks that are performed on a
transaction. We will discuss some of the individual
checks further on in this whitepaper. Every check can, if
triggered, add a score to the total fraud score.
This means that merchants can experiment with the
settings to find the optimum between blocking too
many transactions and letting too many transactions
pass through. During setup of the merchant account
with Adyen, the account manager at Adyen will assist
and advise on a good starting point. But it is also part
of our standard operations to keep monitoring
performance of individual, industry-specific and global
risk management settings within Adyen.
There are several classes of real-time checks Adyen
performs on each transaction:
1. Referral list checking of card numbers, email
addresses, ip addresses: the comparison of data
points against a variety of databases.
2. Consistency checks like comparing countries of
the card issuer, card holder and merchant: the
comparison of data points against each other.
3. Frequency/Velocity checks (e.g. how often did
the shopper make a payment attempt in the last
hour).
Keep control over your
fraud settings
SETTINGS LEVELS
Risk management settings can be used from different
levels:
•Global Adyen settings — Settings that are applied
to all merchants. Example: cards reported stolen.
•Industry-specific settings — Settings applicable to
a group of merchants in the same industry, for
instance travel or gaming. Merchants share
(anonymously) a selection of risk settings with
merchants in the same industry.
•Company-specific settings — Settings that are
shared among two or more merchant accounts
under the same company account.
•Merchant-specific settings — Settings that are
specific to one merchant account only.
ADVANCED FEATURES
Adyen’s risk management system contains many
advanced features, of which the most appealing ones
are:
•Scenario Explorer — Check what happens if you
change your risk settings with our advanced
“what-if” risk scenario explorer.
•Dynamic 3D Secure — Apply 3D Secure selectively
for high-risk transactions.
•Autodefense — Technical chargebacks, for
instance on refunded or 3D transactions are
defended automatically by Adyen.
•Device fingerprinting — A better technique to
repeatedly get the right identification of the
device that the shopper is using.
•Manual review queue — The possibility to put
suspicious transactions in a queue for manual
review.
•Country- and Industry-specific checks — Risk
checks that are specific to one country or to one
industry, such as travel or telecom.
•“Oil Splash Search” — The special search
functionality where all orders and payments from
a suspect shopper can be found back quickly.
Specifically tailored to investigate fraudulent
transactions.
•Risk Reporting and Chargeback Level Monitoring
— Specific real-time reporting on risk
management performance. Automated
monitoring of chargeback levels.
For detailed information on how these features work
and what they can do for you, please contact your
Adyen sales or account manager.
Especificaciones del producto
| Marca: | Adyen |
| Categoría: | terminal de pago |
| Modelo: | Risk Management |
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