Card-Not-Present Fraud Detection

Reduce fraud, boost productivity

What’s the major challenge for a card-not-present merchant? To detect and prevent payment fraud while increasing profitability in today’s competitive e-commerce market. And it’s no simple task.

When a card is not present—with no face-to-face contact, no tangible payment card to inspect for security features, and no physical signature on a sales draft to check against the card signature—your fraud risk rises. You could end up with lost revenue, higher operational costs, and potentially even your ability to accept payment cards.

Start managing fraud to minimize risk and protect your profitability. For details, review the CNP Technical Information.

Better fraud detection with CyberSource

What your business needs is a secure and robust payment infrastructure that can handle the unique risks of card-not-present sales. That’s where CyberSource can help.

CyberSource Advanced Fraud Screen (AFS) enhanced by Visa improves your ability to:

• Accurately detect fraud and maximize sales.
• Deliver your customers a more positive online shopping experience.

It is the first system to utilize updated purchase activity on a continuous basis, making it a better fraud detection and scoring system. Improved accuracy helps lower merchant fraud and improves customer satisfaction by reducing the number of valid orders incorrectly declined.

Benefits of CyberSource

CyberSource Advanced Fraud Screen enhanced by Visa helps:

• Bring increased sales conversion: Generate more order approvals as a result of improved risk-assessment accuracy.
• Decrease chargebacks: Lower direct and indirect costs associated with the management of fraudulent transactions.
  • Direct costs
    • Loss of product
    • Order shipping and handling costs
  • Indirect costs (chargeback-related)
    • Bank fees
    • Customer service staff time
    • Cash management and discount rates
• Improve customer satisfaction: Increase valid order processing due to the automated fraud-scoring system, allowing your customers to receive goods and services in a timely manner.
• Save on service transactions: Receive a 15 percent scoring discount on all AFS service transactions involving Visa cards.

To learn more about the CyberSource Advanced Fraud Screen enhanced by Visa, please contact your Visa Representative or merchant financial institution.