Utmost security across processing cycle
Authorisation
3D Secure, AVS and Intelligent Routing cut the time, needed for authorisation.
Transmission
All sensitive data is transmitted via PCI‐compliant pipelines, assuring sufficient protection.
Storage & retrieval
Tokenisation enables storing encrypted data anywhere. It facilitates recurring payments and loyalty programs.
Reporting and analytics
The system leverages machine learning and manual checks in order to search for patterns in raw datasets.
3D Secure
Associates help merchants develop a unique 3D Secure architecture in line with their individual business needs. A non‐invasive sequence enables to define the scope for 3D Secure checks and decide which requests pass or fail.
Intelligent payment routing
The payment system channels requests to the most fitting acquiring bank, included within an extensive international network. Based within the same jurisdiction as the issuing bank, the acquirer delivers a higher probability for a successful payment completion.
Address Verification Service (AVS)
As an additional layer, AVS serves to compare the address, specified by the payee, and the one, saved on file at the issuing bank. It acts as a strong defense against criminal fraud.
upayers® assures PCI compliance across all the processes to transmit and store sensitive payment data.
The dedicated manager is always ready to deal with banks and regulators, furnishing requested documents and answering queries.
The dedicated manager is always ready to deal with banks and regulators, furnishing requested documents and answering queries.
What is PCI compliance?
PCI DSS is a set of standards that apply to payment processing architectures. Any organisation handling payment data should comply with 12 rules that cover cardholder data, vulnerability management programs, access control, monitoring and overall security policies.
Blacklisting
Identify and filter out customers by region, IP address, credit card details. Blacklisting helps guard against coordinated fraud attacks including card theft, customer identity theft, card testing and more.
Cut chargebacks
A dedicated chargeback team helps diminish both criminal and friendly fraud. Early alerts notify about any actions by users, enabling them to launch the pre‐chargeback process fast. Representment leverages both machine learning and manual procedures for higher efficiencies.
Machine learning
The system implements machine learning to perform millions of fraud verifications within seconds. A combination of historical data and instantaneous updates delivers actionable insights immediately.
Personalised approach to customer experience engineering
Associates help merchants take a broader look at their business and identify areas for improvement.
The manager continuously tracks and analyses payment security. Merchants rely on the proficient team, not need to worry about PCI compliance. Machine learning and manual verifications offer a formidable guard against fraud, whatever form it might take.