Device Identification:

Enterprise level technology increases the visibility of each transaction beyond the reach of an IP address. A completely invisible covert platform for fraud detection identifies computers and devices used for a transaction regardless of prior registration, cookies or IP address.

Key features:

1) Zero Imposition:  No Cookies, No Installations or downloads
2) No change in customer interaction
3) No additional load time
4) Doesn’t Tipoff the fraudster

Robust Risk Engine for credit card fraud prevention:

A user friendly Risk Engine for credit card fraud prevention, providing Merchants with the option to create new rules, enable/disable pre-defined rules, and customize the levels of security for products with different pricing, a positive or a negative list can be set and uploaded by the Merchants.

Typical Scenario: A Merchant selling a product of $ 2000 will be able to set more stringent rules in comparison to a product of $ 5.

Template Manager

The MerchantRMS suite has provisions for creating multiple templates for Products or Services, merchants can allocate different rule-sets for products displayed on the online store, template editing makes it possible to set rules which may differ for product to product for example a rule set for buying an Airline ticket may be different for a rule set for a Flower-delivery..

Single-point Investigation

A Single-point Investigation helps prevent fraud and provides a complete picture of every transaction, combined with all other information about the customer on one screen. The accumulated data generated helps in determining if further probing is required with a single point investigation displaying complete data of the transaction in one window, this speeds the entire process of verifying data.
If the transaction is found to be suspicious it is flagged, the MerchantRMS has in-built tools to provide the company the option to quickly assess the transaction and conclude if it is to be voided or approved or flagged.

Key Features:

1. User-defined screens
2. Audit Trail (Insight of why an order was flagged)
3. Configurable Investigative links & features like address lookup, Google maps etc.
4. One-click related transactions history

Plug-N-Play integration with e-commerce applications:

The MerchantRMS is designed to integrate with any e-commerce system and function as a unified platform; it is compatible with all payment gateways. The online store will have an automated access to Merchant RMS through an HTTPS protocol. A compatible Application Programming Interface (API) is available in all development languages.

Security & Stability for data inter-changed:

The MerchantRMS suite is PCI-DSS compliant and therefore ideal for usability by banks, shopping carts, e-commerce and retail merchants besides Independent Sales Organizations and other merchant service providers.

We use an advanced industry-standard-encryption (256 bit SSL) for data interchange with payment gateways, the risk of hackers eavesdropping on sensitive data that is interchanged by electronic storefronts is eliminated, extreme care is exercised to ensure that the confidentiality of user profiles stored on our systems is safe guarded.

The MerchantRMS redundant server architecture is completely scalable with Disaster Recovery Management Servers in multiple locations.

Velocity Checks for multiple transactions in a short span of time:

The MerchantRMS has in-built features to perform Velocity Checks to help prevent fraud; this feature tracks the number of transaction a customer attempts and based on the velocity parameters set by a merchant, if the transactions exceed these parameters, it is flagged.

This added security safe-guard feature provides basic protection to a merchant, assuming a customer attempts to make multiple transactions in a short span of time which may be of fraudulent intent, the merchant has the option to set the number of times a customer can attempt to complete the transaction, beyond which the system will automatically flag the transaction.

This feature allows the merchant to set configurations for transactions which need to be flagged or marked as alert or blocked, also provides the merchant a profile of a customer’s single merchant purchase history and/or multiple merchant purchase history.

Global address validation of addresses in 200+ countries:

The MerchantRMS provides a verification of the billing and shipping address of an online customer which is validated with our database of addresses in 200+ countries and complete details such as zip codes etc are verified for authenticity.

Proxy detector to identify spammers & hackers:

A most common technique used by spammers and hackers is to conceal their original IP address by using a proxy and submitting the billing address of a fraudulently acquired credit card, the proxy detector that Merchant RMS uses is regularly updated and detects and unearths most of the proxies and proxy ranges, in the process it can block or alert a transaction.
The Proxy detection feature is an important component for fraud detection on the internet, for example if a fraudster located in Nigeria tries to order merchandise online using a stolen credit card having a billing address of Montreal.   

The Geo-Location settings in MerchantRMS can block transactions from countries that have a dubious record of fraudulent transactions, in order to circumvent these settings fake proxies may be hosted by fraudsters, the Geo Locater can identify this accurately and flag a transaction for additional probe.

Geo IP for a reverse check of an IP address of an online customer:

The Geo IP technology used by MerchantRMS provides valuable knowledge about internet visitors to an online store, with access to the Geo-IP database a reverse check of a given IP address is performed with 99.99% accuracy, this IP intelligence database provides accurate information on Country, Region/State/City, Domain name and Demographics etc of visitors to the website.

Compatible with standard Maps of Google & Yahoo:

Easy to locate customers Billing Address & Shipping Address, the MerchantRMS integrates easily with online industry standard maps such as Google or Yahoo, providing merchants with details like the nearest landmark, residential or commercial addresses etc. This helps to verify whether the location of the billing address actually exists or not.

Telephone verification for flagged transactions:

The MerchantRMS provides automated telephone verification for transactions which are flagged for manual review; the in-built system facilitates the process of dialing the customer’s telephone number for validation.

One-click 3rd party integration:

Single click integration with 3rd party websites and query services like Yellow pages, Maps, Search Engines.