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VIMEO.COM
./3518 9218
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
1

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Inhalt der Seiten


  • Page 1

    VIMEO.COM
    .

    ./3518 9218
    .

    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:

    ADVANTAGES:



    Fraud, where a credit card or bank account of someone else
    is used by a fraudster

    ·

    FULLY MANAGED RISK SYSTEM

    ·

    GET REAL-TIME INSIGHT

    ·

    HIGHLY CUSTOMIZABLE

    ·

    BLOCK FRAUD EFFECTIVELY

    ·

    OPTIMIZE FALSE POSITIVES

    ·

    WHAT-IF ANALYSIS TOOLS

    Therefore, a risk management system is needed that can detect

    ·

    CHARGEBACK-LEVEL MONITORING

    transactions that are viable to be reversed in a later stage.

    ·

    INTEGRATED WITH PAYMENT



    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

    Although not all chargebacks can be detected beforehand, it is

    PROCESSING

    still possible to detect and avert most of the fraudulent
    transaction attempts.



  • Page 2

    MANAGING THE SETTINGS

    Minimize false
    positives,
    maximize revenues

    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

    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

    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

    fraud check and subsequently blocked) but which

    the shopper make a payment attempt in the last

    actually would have been normal transactions not

    hour).

    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.



  • Page 3

    Keep control over your
    fraud settings

    SETTINGS LEVELS

    ADVANCED FEATURES

    Risk management settings can be used from different

    Adyen’s risk management system contains many

    levels:

    advanced features, of which the most appealing ones



    Global Adyen settings — Settings that are applied
    to all merchants. Example: cards reported stolen.



    are:



    change your risk settings with our advanced

    Industry-specific settings — Settings applicable to

    “what-if” risk scenario explorer.

    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.



    Dynamic 3D Secure — Apply 3D Secure selectively
    for high-risk transactions.



    Autodefense — Technical chargebacks, for

    Company-specific settings — Settings that are

    instance on refunded or 3D transactions are

    shared among two or more merchant accounts

    defended automatically by Adyen.

    under the same company account.



    Scenario Explorer — Check what happens if you



    Device fingerprinting — A better technique to

    Merchant-specific settings — Settings that are

    repeatedly get the right identification of the

    specific to one merchant account only.

    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.



  • Page 4

    RISK REPORTING AND MONITORING
    Adyen offers several reports on the performance of the Risk
    system that gives merchants feedback. Statistical
    information is gathered over the transactions processed over
    the various sales channels of one merchant.
    With this analysis the risk system can be adjusted by the
    merchant. Not only can the weight of a score can be varied,
    checks can also be deactivated and activated by merchants.
    With the reports providing progressive insight, checks need
    to be periodically adjusted to the best values. The nature of
    fraud also has proven to change over time, requiring further
    adjustments. When a coordinated fraud attack occurs, often
    the refusal rate of a merchant drastically increases and
    people can be alerted immediately to take proper action.
    ABOUT ADYEN
    Adyen is a global multichannel payment company offering
    businesses a fully outsourced payment solution, built on
    over 15 years of industry experience, which enables
    merchants to accept payments from anywhere in the world.
    Adyen supports all relevant sales channels, including online,
    mobile and Point-of-Sale (POS), and can process over 225
    different payment methods, 187 transaction currencies and
    14 settlement currencies used across six continents. The
    Adyen solution is highly scalable and can be completely
    customized to meet any merchant requirements.

    AMSTERDAM

    LONDON

    PARIS

    HEADQUARTERS

    +31 20 240 12 40

    +44 795 780 4192

    +33 1 737 756 63

    Visiting address:

    amsterdam@adyen.com

    uk@adyen.com

    france@adyen.com

    Simon Carmiggeltstraat 6–50
    1011 DJ AMSTERDAM

    BERLIN

    STOCKHOLM

    ˜O PAULO
    SA

    PO Box 10095

    +49 30 408 173 207

    +46 8 505 164 94

    +55 11 518 527 62

    1001 EB AMSTERDAM

    germany@adyen.com

    nordics@adyen.com

    brazil@adyen.com

    The Netherlands

    SINGAPORE

    BOSTON

    SAN FRANCISCO

    +65 9 150 8707

    +1 508 616 0800

    +1 415 957 1000

    asia@adyen.com

    us@adyen.com

    us@adyen.com

    T +31 20 240 1240
    E amsterdam@adyen.com
    W www.adyen.com






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