confirmations

PayCertify’s proprietary confirmations system, Verify Secure, serves as the last tool on the queue of our front-end tools. Whenever there is still doubt that a transaction may be fraudulent or not, you may want to confirm that the customer actually has possession, not only by the credit card, but also from a device or service that ties the purchase in question to a known account.

In order to do this, we send an SMS message and email to the customer purchasing the product to confirm their identity. The customer is then requested to type in a PIN number and after this is confirmed, we collect the customer’s network data, IP address, proxy, and also confirm that the person had access not only to the credit card that the purchase was made on, but also to an account owned by the same person.

Through that process, whenever the potential fraudster tries to chargeback, we have substantial documentation that can confirm for the majority of the cases that this charge was actually approved by the person, and most importantly, prove the person had access to multiple identification resources (email, phone, credit card) which makes the fraudster very unlikely to win a friendly fraud or account takeover chargeback.

confirmations

PayCertify’s proprietary confirmations system, Verify Secure, serves as the last tool on the queue of our front-end tools. Whenever there is still doubt that a transaction may be fraudulent or not, you may want to confirm that the customer actually has possession, not only by the credit card, but also from a device or service that ties the purchase in question to a known account.

In order to do this, we send an SMS message and email to the customer purchasing the product to confirm their identity. The customer is then requested to type in a PIN number and after this is confirmed, we collect the customer’s network data, IP address, proxy, and also confirm that the person had access not only to the credit card that the purchase was made on, but also to an account owned by the same person.

Through that process, whenever the potential fraudster tries to chargeback, we have substantial documentation that can confirm for the majority of the cases that this charge was actually approved by the person, and most importantly, prove the person had access to multiple identification resources (email, phone, credit card) which makes the fraudster very unlikely to win a friendly fraud or account takeover chargeback.

solutions

ECOTrans-(Gateway)

Our Payment Gateway provides a safe and low cost way to run your transactions in a card not present environment, while supporting multiple payment processors, credit card brands and card types. It also support all of PayCertify fraud prevention products out-of-the-box.

frictionless 3d secure

3D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. It was first deployed by Visa with the intention of improving the security of Internet payments and is offered to customers under the name Verified by Visa.

kount

Kount’s patented machine learning technology analyzes transactions to stop fraud and increase revenue for online businesses, merchants, acquiring banks, and payment service providers. Through it’s cutting edge technology.

incenta pay

INCENTAPAY is a virtual card issuing platform that empowers merchants by incentivizing customers that shop at their online stores with rewards for purchses which increases conversions, increases the average ticket size and purchase order and pads the bottom line with tens of thousands of dollars per month in additional revenue. 

 

FEE REBATE GENERATOR

PayCertify is the only merchant processing company to offer the exclusive FEE REBATE GENERATOR program.  This program  can potentially eliminate all merchant processing fees by using proprietary Virtual Card Issuing technology.

JAVASCRIPT PLUGIN

Developers prefer PayCertify because of the many advanced and forward thinking integration tools offered.  PayCertify offers a simple, unique and effective Javascript plugin, which allows merchants to integrate all of PayCertify’s fraud protection tools on demand.

moto secure

MOTO|SECURE is a revolutionary new product designed to be an additional security layer for online money order/telephone order transactions. We combined the security of  3D Secure with the ease of use of our MOTO virtual terminal and POSITIVE purchase confirmation via SMS text and/or email.

Representment

Representing a chargeback is the last resort in order to prevent fraud. Once you have decided to fight a chargeback, you need to prove through evidence that the transaction being charged back is a fraud attempt.

PayCertify Guarantee

PayCertify Guarantee is our proprietary Transaction Insurance product. This product is built in to your processing fee, and gives your customers piece of mind that the product or service is fully insured and backed by PayCertify.

Confirmations

PayCertify's proprietary confirmations system, Verify Secure, serves as the last tool on the queue of our front-end tools. Confirmations eliminate any doubt that a transaction may be fraudulent by confirming that the customer actually has physical possession of the card.

data enrichment

Our Data Enrichment API is proprietary technology, that was developed through our many years of experience with the financial market. It basically consists on an asynchronous check of a mix of publicly available data and our own databases to enrich the provided data.

alerts

Our Chargeback Alert management system offers a way for businesses to prevent disputes from becoming actual chargebacks. Once you are signed up for Chargeback Alerts, when a customer tries to initiate a dispute.

start now

UPGRADE TO PAYCERTIFY

ANY QUESTIONS?

We're here to help! Let's talk:

855 247 3411

start now

It's time to get a better payment processor!